HELOC Savings

Membership eligibility required, must live or work in Weld or Larimer County. All Memberships and loans are subject to approval, standard rates and underwriting guidelines apply. Equal Housing Lender. Member NCUA. *APR= Annual Percentage Rate. The APR for a Home Equity Line of Credit is variable and based on the Prime Rate as published in the Wall Street Journal, plus a margin, currently at 3.25% APR (published 3/16/2020) with a floor rate of 4.00%. Corresponding variable APRs range from 4.00% with risk based pricing to 12.00%. The maximum APR for a Home Equity Line of Credit is 12.00%. There is a one-time processing fee of $199. Additional costs may include appraisal or title policy, if required, and may range from $117-$750. See employee for terms and conditions. Application must be submitted 9/1/2021-10/15/2021 and close by 10/31/2021. 2% APR ends 10/31/23. Borrower’s qualifying rate begins 11/1/2023. NMLS#803643

Home Equity Line of Credit (HELOC) Variable Rate Program

A Home Equity Line of Credit (HELOC) is a great way to access additional money when you need it most. A HELOC offers a variable rate line of credit that uses your home as collateral for the loan.  A Home Equity Line of Credit is a revolving line of credit, similar to a credit card. It allows you to draw funds only when it’s necessary and avoid paying interest on any unused funds.

NCCU offers HELOCs designed to benefit our members!

  • No Annual Fees
  • No Draw Fees 
  • $10,000 minimum line of credit 
  • $500 minimum advance
  • Payments based on 1% of the outstanding balance (minimum $100)
  • Interest rates vary based on the Wall Street Journal prime rate index

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