Tap into your home's equity and make it to work for you.

Your home is your largest asset and it's full of opportunity. With a Home Equity Line of Credit, 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 90% of your combined loan to value
  • No annual fees
  • Minimum loan amount is $25,000
  • Instant, convenient, online access
  • Interest may be tax-deductible (consult with your tax advisor)
Get an introductory variable rate as low as

1.99% APR* for 12 months

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 S.A.F.E. Act.

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

  • Michelle Pacheco – NMLS ID #662822
  • Johanes Angkadjaja – NMLS ID #1411033
  • Julio Macias – NMLS ID #1519824
  • Estela Nagahashi – NMLS ID #1699957
  • Franklin Young – NMLS ID #424413
  • Jennifer Leon – NMLS ID #151527
  • Sheree Reid – NMLS ID #485777

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

Request for information related to an existing mortgage loan, or request for resolution of an error or errors in connection with an existing mortgage loan must be made in writing and forwarded via the U.S. mail to the following address:

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

Apply online for our HELOC at a great introductory rate.

Member Testimonial

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

- Glenn A.