Home Equity Loans

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Equity Line

The main difference between a 2nd mortgage (USUCCU’s EquiBuilder) and a home equity line of credit (USUCCU’s FlexEquity) is whether they're closed-end or open-end. The EquiBuilder is a one-time, one-sum disbursement. The FlexEquity lets you draw on the line of credit numerous times up to your approved limit.

FlexEquity. We know that life is anything but predictable, so we make budgeting for life’s emergencies and surprises easier with FlexEquity. Tailor your monthly payments to meet your monthly budget. Pay as much as you can or as little as interest only, depending on your individual circumstances.

Borrow up to 80% of the value of your home
No closing, application or other hidden fees
Minimum loan amounts of $10,000
Access your FlexEquity money instantly by writing a check, online, or by telephone all with no fees and no minimum draws.

APPLY NOW online or Download a FlexEquity application

EquiBuilder. Give you the peace of mind of a fixed-rate loan.

Lock in a low fixed interest rate for a one-time disbursement.
Borrow up to 80% of the value of your home

APPLY NOW online.

* USU Charter Federal Credit Union does business as USU Charter Credit Union. Unauthorized account access or use is not permitted and may be prosecuted to the fullest extent of the law. By clicking on some of the links on this website you will be transferred to another company's website. USUCCU is providing these links as a service to you and is not responsible for the content or accuracy of the information provided on these sites. Please be aware that other websites may obtain or use information about you differently than we do. We recommend you read the privacy policies of any website you visit before using their services.