Home Equity Lines of Credit (HELOC)
Get the funds you need without the burden of a high interest rate. With a HELOC1, you can borrow from your home equity as needed—up to a preset limit and with a low variable interest rate.
- First lien introductory rate as low as 5.50% APR for the first 12 months; as low as ##RateCode is not found## APR variable thereafter.1
- Second lien introductory rate as low as 5.75% APR for the first 12 months; as low as 7.25% APR variable thereafter.1
- No annual fees
- No or low closing costs and no application fee
- Finance up to 80% loan-to-value with a 10-year draw period and 15-year repayment period
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The Annual Percentage Rate, referred to as APR, is based on an index (WSJ Prime Rate) plus a margin. The discounted introductory APR is fixed for the initial 12-month period. Thereafter, the APR is variable and may change daily but will never exceed 16% or be less than 2.50% per annum. The margin for each loan is determined by credit qualifications, lien position, owner occupancy, loan-to-value (LTV) ratio and other loan features. The stated APRs represent borrowers with a minimum 760 credit score, owner-occupied first lien primary residence, maximum 80% LTV and 0.25% discount for auto-debit from a United checking account. A rate without auto debit will be higher. Eligibility for reduced closing costs requires a United Community Bank checking account. Closing costs vary by state and loan amount. Bank may choose to waive a portion of the closing costs. Borrower pays all costs pertaining to recording fees, tax monitoring fees and mortgage taxes. HELOC product is available only for consumer owner-occupied, single-family residences and is not available on manufactured homes or leasehold properties. Bank must be in a valid first- or second-lien position. Property insurance and flood insurance, if applicable, are required on all collateral. The HELOC has a 10-year draw period and 15-year repayment period. Exclusions and limitations apply. Offer subject to bank’s standard credit approval criteria and is subject to change without notice. Stated APRs are accurate as of 9/16/2026. Third party fees vary based on loan amount and generally total between $236.00 - $815.00 ($10,000.00 line); $317.00-$1784.00 ($100,000 line); $1,120-$3,847.00 ($500,000.00 line) and $6,000 - $13,665.00 ($2,000,000 line). Your fees could be lower or higher.
2 United Community Bank offers first-lien and second-lien amortizing fixed-rate Home Equity Loan (HELoan) products. The first-lien HELoan is available in amounts ranging from $10,000 to $75,000. The second-lien HELoan is available in amounts ranging from $10,000 to $1.5 million. HELoan products are available for consumer owner-occupied, single-family residences and are not available on manufactured homes. Closing costs vary by state and loan amount. Bank may choose to waive a portion of the closing costs. Borrower pays all costs pertaining to recording fees, tax monitoring fees and mortgage taxes. Bank must be in a valid first or second lien position.
