Home Equity

HELOCs or Closed End Fixed-Home Equity Loans

Home Equity Lines of Credit or closed-end Fixed Home Equity Loans with low rates and up to 80% financing are opening all sorts of possibilities. Replace all the windows in your house, consolidate your bills to free up some of your money, pay for college, emergency expenses, home improvements or go on vacation. Using your home as collateral for a loan had many benefits, including using the interest paid as a deduction on your tax returns (check with your accountant for eligibility).

If you already own your home, why not put it to work for you – its smart money management. We offer HELOC's & Fixed Home Equity Lines of Credit.


  • Maximum of $50,000 to $250,000 with check writing abilities

Both have the following factors in common:

  • Variable rate that can adjust quarterly based on Wall Street Journal prime rate 15 days prior to adjustment plus an index
  • Index is based on creditworthiness
  • Maximum change per quarter is 2%

Fixed-Home Equity Loan

  • Fixed Rate
  • Term up to 20 years
  • Maximum of $50,000 to $250,000

For information about our Home Equity Loans, call our lending department at 516-493-9400 x105 or apply 24/7


To apply for a Home Equity (outside of NY State) click here.
For our fee schedule, please click this link to view.

© 2015 Winthrop-University Hospital Employees Federal Credit Union
Phone: 516-493-9400 | Fax: 516-441-6769
Email: info@wuhefcu.org
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