Three Ways To Put Your Equity To Work This Year

1. A Revolving Line To Use As You Need It – with no annual fees, and a low 3.99% APR for 3 months (then rates as low as Prime + 0%), our Home Equity Line of Credit is a great way to tap into your home’s equity. Whether you set up the line of credit to access it in an emergency, or plan to use it for debt consolidation, home improvements, or everyday expenses, our HELOC is a low-cost financing option with a full 20-year draw and repayment period that you can use for any need.

2. A Term Loan For Steady Fixed Payments – if you’re looking for a set payment amount and the stability of a fixed-rate, our Equity Loans are on sale. With rates as low as 5.50% APR, you’ll save with no application fee and no processing fee. Use the funds for any purpose from paying off that holiday spending to a well-deserved vacation and everything in between. You know you’ll get a great deal from First U.S.

3. A Fixed-to-Variable HELOC with a starting rate that’s fixed to keep your payments in check in a rising rate environment. You’ll save right off the bat with no application and no annual fees. And you’ll enjoy a fixed rate for the first five years or until you make a subsequent advance (after the initial advance of $5,000). It’s our Flex HELOC.

Ask to speak with a Real Estate Specialist today. We can help you understand your options and make the right decision for your particular needs. All without the sales pitch. Just practical advice for you as our member-owner. Call (800) 556-6768, stop by your local branch or visit firstus.org today.

Annual Percentage Rates (APRs), terms and offers effective 01/01/2023 and subject to change without notice. Your actual rate may vary based on your credit history and CLTV. Offers cannot be used to refinance an existing First U.S. loan. Certain restrictions apply. Appraisal fee may be required. Owner-Occupied CA properties only. HELOC: APR is variable and based on Prime Rate as published in The Wall Street Journal on the last day of the previous month (currently 7.50%). $499 opening fee for 2nd trust deeds or $799 for 1st trust deeds (waived if $5,000 initial advance is taken and account remains open for 3 years), plus recording fees. Not available for purchases. Payment example, 3 monthly payments of $6.06 for each $1,000 borrowed, followed by 237 monthly payments of $8.04 for each $1,000 borrowed. If only minimum payments are made, a balloon payment will result. Equity Loan: Maximum CLTV 80%. $499 fee waived if loan is kept open for three years. Add 1 point for piggyback loans. Payment example, 60 monthly payments of $19.11 for each $1,000 borrowed. FLEX HELOC: Introductory APR is fixed for 5 years or until an additional advance is made (whichever comes first), then variable and based on Prime Rate as published in the Wall Street Journal on the last day of the previous month + 1% (currently 8.50%).