Become a UKFCU Member Today!
Joining UKFCU means you’re not just an account holder – you’re a valued member.
Get 1.99% APR* on a Home Equity Line of Credit
Why move when you can improve? See how UKFCU can help you fund your dream home improvement project!
Home Is Where the Equity Is!
Thinking about upgrading your kitchen, remodeling a bathroom, or finally finishing that basement? With a market-leading HELOC from UK Federal Credit Union, fund your next home improvement with low rates, no annual fees and no closing costs! Tap into the value you've built in your home and reinvest it right back where it matters most—your living space.
Start off with a 1.99% APR* introductory rate for 6 months!
Why get a HELOC?
Market-leading rates as low as 6.25% APR* after the intro period
No annual fee
10-year revolving draw period; 20-year maximum repayment term
Experience easy, local service at 7 convenient branches or online anytime
No closing costs
Draw only when you need it
Access your funds by check, telephone banking, Online Banking or at a branch
Joining is easy! Membership eligibility is straightforward and you can become a member in minutes!
Let your home help itself for a change—take advantage of the 1.99% APR* introductory rate today!
Why Choose a HELOC?
Ready to take advantage of the 1.99% APR* Home Equity Line of Credit?
Let UK Federal Credit Union help make your dreams a reality!
Financial fitness starts here.
Refinancing your auto loan is a smart financial decision. See the various other ways you can up your financial literacy with our Mindful Money Blog!
Become a UKFCU member today.
When you meet our qualifications, opening a membership is easy and you can join online.
*Member qualifications apply. The 1.99% Introductory Annual Percentage Rate (APR) on Home Equity Lines of Credit will be fixed for the first six months. After six months, the introductory rate will convert to a variable rate as low as Prime minus one, with a floor of 3.00% APR and a maximum rate of 18.00% APR. Current "Prime minus one" rate is 6.25% APR as of 10/01/25. Promotional rate requires a minimum $5,000 initial advance. Offer valid for new Home Equity Lines of Credit only. Existing UKFCU HELOCs are not eligible for refinance under this promotional rate. If loan is paid in full in less than 3 years and a line of credit is closed, member will be required to pay closing costs of approximately $150-$600 to UKFCU. Eligibility for Home Equity Lines of Credit requires that your home is owner-occupied and located in Kentucky. Consult your tax advisor for possible tax benefits. APR is based on credit history and subject to change. Terms and conditions may apply. If this is Investment Real Estate, you will need to apply for a Business HELOC.
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