Home Equity Loans and Lines of Credit

Affordably low rates
Choose traditional loan or line of credit
Use money for almost anything

Build something. Buy something. Do almost anything.

Home Equity Loans

Receive all your money in one lump sum
Borrowing limit depends on the equity you have in your home
Affordable interest rates and easy online application process
Flexible home equity loan repayment plans ranging from 60 to 180 months
Home Equity Loans available for second homes as well as primary residences
Annual interest payments may be tax-deductible; consult your financial advisor for more information

Home Equity Lines of Credit (HELOCs)

Get access to a credit line you can use for anything you want
Special low introductory rate of 4.99% APR for first six months for applicants with an acceptable credit history*
After that period ends, HELOC’s have a variable interest rate based on the Prime Rate and a margin, with a floor of 8.00% APR and maximum ceiling of 18.00% APR
Pay interest only on the amount you use
Easy access to funds through checks or wire transfers to your UniWyo Credit Union checking account

*Introductory rate as low as 4.99% APR (annual percentage rate) is available for new Home Equity Line of Credit (HELOC) loans for a 6 month period from the loan closing date. Introductory rate is subject to credit approval, your rate may be higher. After the introductory rate period, the rates for this loan type are based on the applicant’s credit score at the time of application. The regular minimum interest rate is a variable rate based on the Prime Rate and a margin, with a floor of 8.00% APR and maximum ceiling of 18.00% APR. Home Equity Line of Credit fees generally total between $50.00 and $2,000.00.

UniWyo is a full-service credit union with branches in Cheyenne and Laramie, Wyoming, including on-campus at the University of Wyoming.

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