home Fixed Home Equity Loans as low as 2.74% APR*

Owning your home has advantages. If you need to draw on your home’s equity, UKFCU is offering Fixed Home Equity Loan with rates as low as 2.74% APR*! Whether you’re refinancing your home, fixing the roof, or need extra funds to send your child to college, a home equity loan can help. 

  • Fixed loan amount with low home equity loan rate
  • Level repayment schedule
  • Additional payments can be made at any time

Refinance your Mortgage with a Fixed Home Equity Loan

  • No Closing Costs
  • 20 year term
  • Primary lien on home

Contact us at 859.264.4200 or apply now using the links below. Lock in this great rate before it's gone!

Existing Members Apply Here New Members Apply Here


*Annual Percentage Rate (APR.) Rate is current as of 8/1/20, based on credit history and subject to change. Member qualifications apply. Savings account with minimum balance of $25 required to obtain loan. Rate shown applies to the fixed home equity loan. For example, on a $200,000 home equity loan for 240 months at 2.74% APR, monthly payments would be approximately $1082.28. Estimated payment does not include amounts for taxes and insurance and the actual payment obligation will be greater. A credit score of 720 or higher and a minimum loan amount of $25,000 are required to qualify for rate. Member must also have a current direct deposit with UKFCU at the time of application or request a loan-to-value ratio of 80% or less to achieve rate. Rate offered is only good for 60 days from time of application. If loan is paid in full in less than three years, closing costs must be paid to UKFCU. Eligibility for home equity loan requires your home is owner-occupied and in the state of Kentucky. For investment real estate, you will need to apply for a Business Home Equity Loan. Any credit obtained which exceeds the value of the dwelling may not be tax deductible. Please consult your tax advisor for specific tax information.