Tap into your home's equity with one of our low-rate HELOCs

Your home is your largest asset and it's full of opportunity. With a low-rate HELOC from UCU, you can use the equity you've built to pay for home improvements, college expenses, debt consolidation and more.


A smart source of cash for whatever you need


  • Borrow up to 80% of your combined loan to value
  • No annual fees
  • Minimum loan amount is $25,000
  • Instant, convenient, online access to your funds
  • Interest may be tax-deductible (consult with your tax advisor)


We’ve got two great HELOC options designed to fit your needs:


10 year draw with a 15 year repayment period

Standard variable rate will be 8.00% to 17.99% APR*



10 year draw with a 20 year repayment period

Standard variable rate will be 8.25% to 17.99% APR1

There is no better place to get a HELOC from than a place you trust. Our experienced real estate specialists can discuss your options to ensure you get the right HELOC to fit your needs.


The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), requires credit union mortgage loan originators and their employing institutions to register with the Nationwide Mortgage Licensing System & Registry (NMLS).

Each employee of a credit union who acts as a mortgage loan originator must register with the Registry, obtain a unique identifier, and maintain this registration in accordance with the requirements of the SAFE Act.

Below are the registered mortgage loan originators of University Credit Union, NMLS #409731.

  • Merisa Gates –  NMLS ID #188870
  • Estela Nagahashi – NMLS ID #1699957
  • Miguel Olivares – NMLS ID #2068660
  • Michelle Pacheco – NMLS ID #662822
  • Britini Pender – NMLS ID #694308
  • Sheri Sicka – NMLS ID #809498
  • Elizabeth Torres – NMLS ID #1757889
  • David L. Tuyo II – NMLS ID #1152000


One of the objectives of the SAFE Act is to provide consumers with easily accessible information at no charge regarding mortgage loan originators. You may access information at www.nmlsconsumeraccess.org



Requests for information, requests for resolution of an error, or  errors in connection with an existing Home Equity Line of Credit (HELOC) or Second Mortgage loan, must be made in writing and forwarded via the U.S. mail to the following address:

University Credit Union
Real Estate Department
1500 S. Sepulveda Blvd.
Los Angeles, CA 90025

HELOC and Second Mortgage payments sent via U.S. mail should be addressed to:

University Credit Union
PO Box 25356
Los Angeles, CA 90025

Contact University Credit Union:

424.320.4686 or

9 a.m. – 5 p.m. PST, Monday thru Friday

Real Estate Department’s Fax Number:


Member Testimonial

"UCU has helped me finance all the cars I have owned throughout my life. They treat me like family."

- Glenn A.