Your home’s equity can be the key to unlocking the door to new possibilities.
The possibilities are endless with a USPS FCU Home Equity Line of Credit (HELOC), you can access the funds you need at competitive rates and with flexible terms.
Competitive Rates
The interest rate for a Home Equity Line of Credit is based on the current Prime Rate as published in the Wall Street Journal. If the Prime Rate changes, your rate will be adjusted effective the month following the rate change. The interest rate you pay will never be more than 12% or fall below 3.25%.
Flexible Terms
Payments are based on the amount drawn from your credit line, not on your total available line of credit. You can borrow as much or as little as you need during the draw period, and you only pay interest on what you use.
Convenient Access
It’s easy to access your Home Equity Line of Credit when you have a USPS FCU checking account, VISA debit card, and Virtual Branch home banking To easily access your line of credit simply transfer funds from your line of credit to your checking account through our 24/7 services such as Virtual Branch or QUE Telephone Teller, then you can use your VISA debit card or write a personal check.
A HELOC works like a credit card — you can borrow as much or as little as you need during the draw period, and you only pay interest on what you use. Borrow up to 90%* of the current appraised value of your primary residence, minus your First Mortgage balance. With a Home Equity Line of Credit, you can borrow as little as $10,000 up to $200,000.**
*USPS FCU will pay closing costs up to $3,500.00, offer expires 6/30/2026. Click here for rates, fees, and other cost information as applicable.
**Your loan must close, be set up on your Credit Union account, and remain open for 36 months, or you will be responsible for reimbursing the Credit Union for all closing costs incurred by the Credit Union, including the cost of an appraisal. These costs can range between $1,000 – $3,500 depending on the specific loan terms and agreements.
1 Restrictions apply to first-lien positions on Home Equity Line of Credit. Contact the Home Equity Department before applying to receive additional information.
*USPS FCU will pay closing costs up to $3,500. Terms and conditions apply. Offer valid through 6/30/2026. USPS FCU membership required. Visit www.uspsfcu.org for full details and disclosures. Offer cannot be combined with any other discounts. This Credit Union is Federally Insured by NCUA | Equal Housing Opportunity. NMLS #501858
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). A listing of the mortgage loan originators of U. S. Postal Service Federal Credit Union can be found below:
If there are any questions, please call 800-877-7328 or visit the Mortgage Licensing System & Registry Consumer Site at www.nmlsconsumeraccess.org.
The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at 800-877-7328 regarding the locations where HMDA data may be inspected.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
