E.T. actually stands for Equity Time!
E.T. may have come from 3 million light-years away, but U don’t have to travel far to find your best buddy in banking—UMe is right here in your backyard! Think of us as your Elliot: a loyal friend who’s always looking out for your home.
With a UMe Home Equity Line of Credit (aka HELOC), you can tap into your home’s value to fund the things that matter most—like transforming your backyard into a personal paradise, covering college tuition, or going solar to harness the power of the sun.
This 2nd mortgage works kind of like an ATM tied to your home’s equity—just with way lower interest rates than most credit cards. And when unexpected expenses show up like a surprise UFO (Unidentified Financial Oopsie), your HELOC is here to help. You can even use it to consolidate credit cards, auto loans, student loans, and more—helping U save money every month.
A little extraterrestrial once told us about that strategy… just kidding—we’re pretty sure the UMe Emu passed that financial wisdom along to E.T. 😉
A UMe HELOC comes with perks that are out of this world
- A low 5.99%* 12-month intro rate (one of the lowest in town!)
- No application fee
- No points
- No prepayment penalties
- Funding in just 2–3 weeks
- Easy access to your funds
- Choose your own due date
Apply today and start planning how to put your home’s equity to work. A friendly UMe personal banker is ready to help U launch your next big adventure!
*After the initial fixed 12-month introductory period, your HELOC APR (Annual Percentage Rate) will revert to a variable rate that is based on the Prime Rate. Loan approval and rate are based on a verification of income, an evaluation of your creditworthiness, and property evaluations which include Loan-to-Value (LTV). Your rate will never exceed 18.00% or be less than 4.00% — unless there is an initial discount rate that is offered below 4.00%. If you cancel your loan, third-party fees may apply. Costs include a $500 title insurance fee and a non- refundable appraisal fee, paid directly to the designated appraisal company. Property insurance is required. Loan amounts up to $400,000. For additional details, please call the Credit Union at (818) 238-2900.
Disclaimer: U matter to Me (to all of us) at UMe — and that’s why we do our best to deliver helpful information on our blog. Please note the following: (1) UMe Credit Union works hard to make certain that the information we post here is as accurate as humanly possible. But as you know, information can change and evolve quickly. While we try to update the blog on a regular basis, the content of some older posts may not be correct or up-to-date. (2) Some destinations on the World Wide Web that we link you to will exist on external websites. UMe Credit Union does not officially endorse any connected sites, nor do/did we compensate or get compensated by any entities to be featured in our posts (unless otherwise noted). (3) Everyone’s situation is unique and we advise you to consult with our personal bankers or your finance, tax, or legal professional for advice individualized to you!