Father and daughter looking at a model house

Go Green with UCU's Solar Loan HELOC

1.99% APR*

for the first 12 months

Person's hand touching a solar panel in the early morning light

Energize your savings when you refinance your solar loan with a HELOC!

By refinancing your solar loan into a Home Equity Line of Credit, you can lower your payments, access flexible funds, and keep your energy costs in check. It’s a smart way to supercharge your finances and unlock an exclusive rate!

After 12 months, the variable rate will range from 6.25% to 17.74% APR* for a 15 year repayment option or 20 year repayment option.

To take advantage of this exclusive offer, call one of our real estate specialists today at 424.320.4686.

Benefits of a University Credit Union HELOC

Instant, convenient, online access to your funds

Borrow up to 80% of your combined loan to value

No annual fee

If you’re ready to refinance to this limited-time rate, call one of our real estate specialists today at 424.320.4686 and take advantage of this exclusive offer.

Discover what a HELOC from UCU can do for you!

All about HELOCs

Mortgage loan originator information
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 following the requirements of the SAFE Act.

Below are the registered mortgage loan originators of University Credit Union, NMLS #409731.
- Mona Donalson – NMLS ID#2082139
- Merisa Gates – NMLS ID #188870
- Estela Nagahashi – NMLS ID #1699957
- Michelle Pacheco – NMLS ID#662822
- Britini Pender – NMLS ID #694308
- Frank Perez – NMLS ID #2063520
- Sheri Sicka – NMLS ID #809498
- Elizabeth Torres – NMLS ID #1757889
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.orgClick to www.nmlsconsumeraccess.org.
Mortgage loan servicing information

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
855.564.6828
9 am – 5 pm PST, Monday through Friday

Real Estate Department’s Fax Number:
424.320.4639

*APR = Annual Percentage Rate. Introductory rate good for 12 months from date of closing. Introductory loan rates apply to new loans or loans from other financial institutions and are not intended for refinancing of existing University Credit Union loans, nor are they available as a concurrent loan with a home purchase. Rate may change based on the index which is the Prime Rate as regularly published in the “Money Rates Table” of the Wall Street Journal. Interest-only payments apply to Home Equity Lines of Credit with a maximum 80% combined loan-to-value and during draw period only. Minimum Credit Limit $25,000. The current index for this quarter as of 12/11/2025 is 6.75%. Corresponding variable APRs range from 6.25% to 17.74%. Rate is subject to change quarterly. The minimum payment during the draw period is equal to the finance charges (interest) that accrued on the outstanding balance during the preceding billing period. Third-party closing cost are applicable and range from $700.00 to $2,500.00, depending on the loan amount and lien position. No Annual or Advanced Fees charged on HELOCs. All loans listed are available on primary member residences (single-family, owner-occupied detached dwellings, condos, or townhouses). Some restrictions may apply. Rates are subject to change without notice. Loans issued subject to credit review.