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Today's Featured Rates
Home Equity Financing: Apply Now!
Get pre-approved in minutes! Our online application is fast and easy!
Questions? Talk to our Experts!
Our friendly, personalized, expert assistance sets us apart from other lenders!
Need a Home Loan for Purchase or Refinance?
We offer the industry's most powerful price and service home loan guarantees! Learn more!
To see a sample of the rates available today, use this Quick Quote form.

Quick Quote

No Points, No Fees Home Equity Line of Credit!
The benefits of a USE Home Equity Line of Credit really add up: no points, no application fee, no origination fee, no annual fee, no prepayment penalty, and the ability to earn tax deductibility!*
Fast and Easy Solutions from a Lender You Can Trust
As a not-for-profit credit union, USE is a leader in quality, service and member-value, with a focus on giving back to our members. Our greatest compliment is the loyalty of our members, demonstrated though ongoing referrals and repeat business. We are committed to delivering an Unbeatable Service Experience! Apply today!

* All loans subject to credit approval. Rates, terms, and conditions subject to change without notice. Must be owner-occupied, single-family residence or 1-4 story condominium in California only. If the loan is closed within three years of origination, an Early Account Closure Fee of $500 may be assessed. A Reconveyance Fee is charged when your line is closed and your balance is paid in full. The $50 Annual Fee is waived the first year and assessed on your anniversary date any year thereafter your balance falls below $10,000. USE will cover the following closing costs (fees): flood certification, title insurance, escrow, credit report, condo processing, mortgage recording, notary, trust documentation, release of third-party mortgage and an Automated Value Method (AVM). An optional appraisal may be requested at any time, the borrower will be required to pay the cost. Consult your tax advisor for potential tax deductibility.