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Home Equity

Second Mortgage Home Equity Loans

University of Iowa Community Credit Union is the #1 home equity lender in Eastern Iowa.

Put Your Home’s Equity to Work!

A fixed rate line of credit allows you to establish a credit line and then advance funds as you need them. An equity loan has a fixed term. Equity loans are ideal for members that have a particular project or purchase in mind, and therefore know the exact amount they need to borrow.

Did You Know?

You can use your home equity funds for whatever you like: home improvements, finance an education, pay off high-interest debt, or take a vacation. It’s up to you!

Home Equity Loan

Fixed terms of 5, 10, or 15 years.

Great rates and low fixed payment. 

Borrow up to 100% of your equity.  

No prepayment penalties.

Flexibility on loan purpose.

Apply Online

Home Equity Line of Credit (HELOC)

Fixed term of 5 years.

Advance funds as you need them.

Borrow up to 100% of your equity.  

No prepayment penalties

Flexibility on loan purpose

Apply Online

Financial Protection for Your Peace of Mind

UICCU is much more than a great place for your loans and deposits. We also offer insurance products through our wholly owned subsidiary, UICCU Insurance.

Help Play it Safe with PayBreak Debt Protection

Whether you're taking out a loan to make home improvements or buy a vehicle, it can be a financial gamble because things happen… life happens.

PayBreak Loan-Payment Protection

Help play it safe with PayBreak Debt Protection. PayBreak is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. Simple eligibility requirements help ease the enrollment process.

If a protected life event happens to you (and you're a protected borrower or co-borrower on the loan), PayBreak will cancel or reduce repayment of your loan debt. Help lessen your worries, and your family's worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:

  • Loss of life
  • Disability
  • Involuntary unemployment

Call 800-397-3790 today and ask about protecting your loans.

Your purchase of PayBreak is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of PayBreak.

Auto, Home, Life, AD&D, and Business Insurance

The professionals at UICCU Insurance will shop multiple carriers to find you the best value for your auto, home, life or business.

Request a Quote

Request a free, no-obligation quote for the type of insurance coverage that fits your needs.