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

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

Xtraordinary Checking

Earn higher dividends on deposits.