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Home Equity Loans

Unlock your home's potential

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Home Equity Line of Credit (HELOC)

Home Equity Loan

Home Equity Line of Credit (HELOC)

The freedom to borrow as much or as little as you need.

  • Special Offer: 3.99% APR* 6-Month Intro Rate (rates as low as 8.50% APR after intro)
  • Use the equity in your home for home renovation, debt consolidation, or life’s unexpected expenses.
  • Variable rate loan
  • 20-year HELOC: 10-year draw with a 20-year amortization
  • Waived closing costs only if the initial advance is $3,000+ (owner occupied properties only)
  • Repayment of waived closing costs required if HELOC is closed in first 3 years
  • Financing for up to 95% of your home’s value
  • Loan Payment Protection options
  • Interest on a home equity loan may be tax deductible
  • Online & Mobile Banking
  • Monthly Statements
  • End-of-Year Member Reward Dividend

*Annual percentage rate, on approved credit, subject to change & loan-to-value requirements. Introductory APR applies for six months from the loan’s closing date. Thereafter, the variable rate is based on an index and margin, with a maximum 18% APR. The lowest APR is currently 8.50% . Underwriting conditions, homeowner’s insurance, and other fees may apply. Consult a tax advisor regarding the deductibility of interest. Federally insured by NCUA. Equal Housing Opportunity Lender.

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Home Equity Loan

Enjoy a fixed term/rate, and consistent monthly payments

  • Use the equity in your home for home renovation, debt consolidation, or life’s unexpected expenses
  • There are 5, 7, 10, and 15 year terms available
  • Financing for up to 95% of your home’s value
  • Loan Payment Protection options
  • Interest on a home equity loan may be tax deductible
  • Online & Mobile Banking
  • Monthly Statements
  • End-of-Year Member Reward Dividend
Submit Interest Form

"I am so very fortunate to have a historically low 3% interest rate on my home mortgage. With rates much higher today, my plan is to never refinance my 1st mortgage. I recently needed around $15k for an unexpected expense, and was able to secure a competitive rate by opening a HELOC. I like how it's a line of credit than I can draw from anytime for the exact amount I need."

American United FCU Member

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Home Loan Rates

Rates up to date as of July 5, 2024. Rates subject to change without notice.

All Home LoansTermAnnual Percentage Rate
Mortgage (Conforming)15, 20, & 30-yearsCall 801-359-9600 for today's rates
Mortgage ($250,000 or less)5, 7, & 10-yearsAs low as 4.99%3
Construction Loan11-yearAs low as 6.25%
Lot Loan (Improved)22, 3, 4, & 5-yearsAs low as 7.00%3
Lot Loan (Unimproved)22, 3, 4, & 5-yearsAs low as 8.50%3
Home Equity Loan5, 7, 10, & 15-yearsAs low as 5.99%3
Home Equity Line of Credit (HELOC)10-year Draw & 20-year AmortizationAs low as 8.50%
HELOC Intro Rate (Limited-Time Offer)6-months3.99%

APR = Annual Percentage Rate. Membership required, on approved credit, and rates subject to change at any time without notice.
1. Loan to Cost = 90%, Loan to Value = 80%.
2. Max Loan to Value of 80% on Improved Lot Loans and 60% on Unimproved Lot Loans.
3. Lowest rate available for shortest term offering only, please contact credit union for specific rate options based on term.

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