Home Equity Line of Credit with Union Bank®

Enjoy convenient access to your home's equity

Get a variable rate as low as

5.24
%

APR

Based on rates as of10/28/2020Rate includes a 0.25% discount with automatic payments from a Union Bank account. Additional discounts may apply.
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Take advantage of these interest rate discounts:

0.25%

For automatic monthly payments

Set up and maintain automatic monthly payments from your Union Bank checking or savings account and receive a 0.25% interest rate discount.

0.50%

For being a Priority Banking® client

Priority Banking clients get an interest rate discount of 0.50%.

Learn more about being a Priority Banking client

Up to 1.00%

For being a client of The Private Bank

Clients of The Private Bank get an interest rate discount of 0.75% with $250,000 to $999,999 in deposits and investments (D&I) or an interest rate discount of 1.00% with $1,000,000 or more in D&I in Union Bank®, UnionBanc Investment Services (“UBIS”), and/or PurePoint® Financial. 

Learn more about being a client of The Private Bank

Why Get a Home Equity Line of Credit (HELOC) with Union Bank?

No application fees and no annual fee

There's no fee to apply and no annual fee. There's also no fee to convert your variable-rate balance to a Fixed-Rate Option Plan.

Easy transfers

Transfer funds online, at a branch, or by writing checks (check minimum $500).

Convenient access

Spend up to your limit, pay down the balance, then use the line again as needed.

Ask a specialist

Have questions? We have answers. Our Home Equity Specialists are here to help. Call us at 877-286-3421.

Get a HELOC with a low variable rate

Get a HELOC with a low variable rate

Variable rate as low as

5.240

%

APR

On lines of credit of $100,000.

Based on rates as of 10/28/2020. Includes a 0.25% discount for automatic payments from a Union Bank account. Additional discounts may apply.

Get a HELOC with 7-year initial fixed rate

Initial fixed-rate as low as

6.240

%

APR

Fixed for 7 years on lines of credits of $250,000 to $2,000,000.

Variable rate

4.990

%

APR

After the initial 7-year initial fixed-rate period and on lines of credit of $250,000 to $2,000,000.

Based on rates as of 10/28/2020. Includes a 0.25% discount for automatic payments from a Union Bank account. Additional discounts may apply.

Get personalized advice from our Home Equity Specialists.

We make it easy to get in touch. Have a Home Equity Specialist call you back when it’s most convenient for you. Call us at 877-286-3421.

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What our clients are saying

“I have never borrowed money before! There was a lot more to it than I had imagined. My Union Bank consultant was excellent at walking me through all the steps and making sure I was clear on what was needed, and aware of the status throughout the process.” 

Linda C.,

Home Equity Line of Credit

“My Union Bank consultant kept me informed every step of the way through this loan process. She called to check in with me on several occasions and answered my questions. My overall experience was excellent.”

Melissa G.,

Home Equity Line of Credit

“My Union Bank consultant went above and beyond to make this process easy and understandable. He answered all my questions thoroughly and made the process go very smoothly and quickly.”

Elaine M.,

Home Equity Line of Credit

Investment management services offered by MUFG Union Bank, N.A. in conjunction with its subsidiary, HighMark Capital Management, an SEC-registered investment adviser.  Brokerage and investment advisory services offered by UnionBanc Investment Services LLC, an SEC-registered broker-dealer, investment adviser, member FINRA/SIPC, and subsidiary of MUFG Union Bank, N.A.  Non-deposit investment products:  • Are NOT deposits or other obligations of, or guaranteed by, the Bank or any Bank affiliate • Are NOT insured by the FDIC or by any other federal government agency • Are subject to investment risks, including possible loss of the principal amount invested.

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