Upgrade to 0% Interest on your HELOC Refi

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Now it’s easier than ever!

Rates have dropped recently which makes now a great time to refinance your HELOC – especially when you take advantage of our special 0% introductory offer:

0% APR¹ on Lines Up to $400,000

Enjoy 0% Intro APR¹ for the first 3 months,** returning to a rate as low as 6.25% variable APR* thereafter!

Need More Info?

Our lending experts can help you decide whether a HELOC is right for you.

Talk With Us

Ready to Apply?

Start your application easily online and get a decision from our team quickly.

Apply Now

A HELOC refi from UW Credit Union comes with:

Easy application & quick decisions
Apply online and get preapproved fast.²
No hidden fees
You won’t pay an annual fee or prepayment penalty.*
Low or no closing costs*
We keep it simple. You keep more of your money.
Easy access to your funds
Transfer money from your line to your UW Credit Union checking account through digital banking.
All your financial tools in one place
Manage your HELOC with ease alongside your other UW Credit Union accounts.

Special Offer: 3-Month Intro Rate Home Equity Line of Credit.¹

Rates as Low as

0.00

APR *

Standard
Variable Rate Line of Credit¹

Rates as Low as

6.25

APR *

Refinance Your HELOC & Save

Take advantage of rates that have dropped when you refinance your HELOC with UW Credit Union. Our local lending experts can show you how much you could save each month with a new, lower rate. Schedule your free, no-obligation consultation now.

3 Great Benefits to Refinancing Your HELOC

You already know how valuable your HELOC is, but when you refinance, you unlock even more potential:

Reset Your Draw Period

With a new draw period, you could delay the repayment period and its higher required principal payments.

Enjoy a New Term

Tackle another big project, consolidate lingering debt or bank financial flexibility for the future with a brand-new term.

Increase Your Limit

If you’ve paid down your mortgage balance, increased your income or your home’s value has risen, you could get a higher limit.

Apply Now

HELOC Refi Fast Facts³

How do I access my HELOC funds?

When does the introductory rate on my HELOC start & how long does it last?

What is the highest rate that a home equity line of credit can have?

Find Your Rate & Apply - It's Easy

1

View Your Rate

Get your personalized rate with no hidden fees and no obligation. Checking your rate will not affect your credit score.

2

Choose Your Loan & Apply

Select the option that works for you and complete your application using our convenient online process.

3

Submit & Finalize

Our team will review your app and get your funds secured.

Apply Now

Get more tips and information about how a Home Equity Line of Credit could help you.

Learning about a UW Credit Union's HELOC options online.

Demystifying Home Equity Lines of Credit

While there are plenty of resources that explain what a home equity line of credit (or HELOC) is and what you can use it for, you’re not alone if you still have questions.

4 Ways to Add Value to Your Home with a HELOC

Use your HELOC or home equity loan to add value to your property that you can enjoy for years to come.

Woman discovering the difference between a HELOC vs Home Equity Loan vs a Personal Loan with the help of UW Credit Union.

HELOCs, Home Equity Loans and Personal Loans

Which one will work best for your needs, lifestyle and budget?

Get in Touch

It's about more than getting a great rate — our team of local lending experts in Madison and Milwaukee are here to help before, during and after the HELOC or Home Equity Loan process. Have a question? Submit a question form to be contacted by an expert, or schedule a no obligation appointment below.