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Take advantage of the equity in your home.

 

Tap into the powerful financial resource under your own roof.

A UKFCU home equity loan or HELOC is a lower-interest option for borrowing money.

  • Get a lower rate than credit cards or other types of loans
  • Choose from fixed or flexible loan terms
  • Access funds quickly
  • Enjoy an extended repayment period (HELOC) or monthly payments over a set period (home equity loan)
  • Use money for home renovations and repairs, debt consolidation, investments, college tuition and more

Fixed Home Equity Loan

A Fixed Home Equity Loan from UKFCU offers a stable loan amount at a low interest rate.*

  • Borrow a set amount for your needs
  • Get a consistent repayment schedule
  • Make additional payments at any time

*Member qualifications apply. Eligibility for Fixed Home Equity Loans requires that your home is owner-occupied and located in Kentucky. Consult your tax advisor for possible tax benefits. Rate is based on credit history. Terms and conditions may apply.

Flexible Home Equity Line of Credit (HELOC)

With a HELOC, you get a flexible rate that's typically lower than other types of loans, and you can borrow only what you need.*

  • 10-year revolving draw period; 10-year maximum repayment term
  • Make additional payments at any time
  • Access your funds by check, telephone banking, Online Banking or in person at a branch
  • No annual fee
  • Low HELOC rates

*Member qualifications apply. Home Equity Line of Credit as low as Prime minus one, with a floor of 3.00% and a maximum rate of 18.00%. Rate is variable. A credit score of 760 or higher is required to achieve advertised rate. If loan is paid in full in less than 3 years and a line of credit is closed, member will be required to pay closing costs of approximately $150-$600 to UKFCU. Eligibility for Home Equity Lines of Credit requires that your home is owner-occupied and located in Kentucky. Consult your tax advisor for possible tax benefits. Rate is based on credit history and subject to change. Terms and conditions may apply. If this is Investment Real Estate, you will need to apply for a Business HELOC

Protect your biggest investment with Debt Protection.

Debt Protection from UKFCU gives your family financial relief when they need it the most.

Your financial wellbeing is our top priority.

  • Great Team and Staff! They took great care of me for a HELOC and have always been very helpful and friendly!

    Kevin H.
  • UK Federal Credit Union has always been there to help me finance cars and my house. I recommend it for anyone who is looking for a bank that will work with you.

    Richard M.

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Getting you where you want to go.

Not a Member Yet?

Applying is fast and easy!

You will need the following information in order to complete the application:

  • Government issued ID/Drivers License/State ID or Passport with current address
  • Your complete physical and mailing address
  • Social Security Number
  • Date of Birth
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