people moving boxes


We’re all about making mortgages easy. Whether you are purchasing or renovating, whether it’s your first home or your last, we bend over backwards to make sure your borrowing experience doesn’t put a damper on the whole experience.

  • Competitive interest rates
  • Low closing costs
  • No prepayment penalties
  • Prequalification services
  • Knowledgeable, friendly mortgage specialists
Apply for a Mortgage
couple embracing

Home Equity Line of Credit

Use the equity in your home to improve your home? Bold move. With a line of credit, you can draw on the funds for home repairs and improvements or other life expenses – when you need them.

A Home Equity Line of Credit can be used for a variety of purposes!

  • Rates are excellent compared to traditional financing options such as a personal loan or VISA purchase.
  • Use your home’s equity for home improvements, debt consolidation, and more!
  • Easy access to funds through Digital Banking.

*Membership eligibility required. APR = Annual Percentage Rate. Home Equity Line of Credit rates are variable. Per annum cap is 2%, with a floor rate of 5.5% APR and ceiling of 16% APR. Unity One currently offers Home Equity Lines of Credit Loans only in the following states: Minnesota, Texas and Wisconsin. Closings must take place in one of our branch locations. We do not charge an origination fee although other fees may apply for loans over $150,000. Potential line of credit must be a minimum of $5,000; minimum monthly payment amount for credit line balance is $80. Maximum HELOC is $150,000.  Property value is based on current tax appraisal. Certain restrictions do apply, so consult with your Tax Advisor regarding the deductibility of interest. See a Member Service Officer for more details and information. NMLS # 411620

Interest may be tax deductible.

Consult your tax advisor!

I'm interested in a Home Equity Line of Credit!