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Rates effective as of January 01, 2020

Home Equity

Loan Type Terms  APR* 
Home Equity Line of Credit (HELOC)
10 year draw/20 year draw
80% LTV
60% LTV
5.00-12.25%
4.50%-11.75%
NEW: ASK ABOUT OUR 2.99% 12-MONTH HELOC INTRODUCTORY RATE!
Application fee $0
Escrow fee $0
Credit report fee $0
Recording fee $0
Appraisal fee paid directly to the appraisal company (typically runs between $250 - $400)
Title insurance $350 (fee can be included in loan, if desired)



*APR is Annual Percentage Rate. The Home Equity Line of Credit APR is a variable rate which 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 $350 title insurance fee and a nonrefundable appraisal fee, paid directly to the designated appraisal company. Property insurance is required. Loan amounts up to $250,000. For additional details, please call the Credit Union at (818) 238-2900. All loans and rates are subject to change. UMe is proud to be an Equal Housing Lender.

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