Your home is more than a place, it's potential waiting to be unlocked!
Your Home Could Be Your Best Financial Tool
Your home isn’t just where life happens, it’s also one of you most powerful financial tools. With a Home Equity Line of Credit (HELOC) or a fixed Home Equity Loan from KUE, you can put your hard earned equity to work in a way that best fits your goals and lifestyle.
For a limited time, KUE is making it even easier to access your home’s equity. Whether you are planning a home renovation project, consolidating debt, or preparing for life’s next chapter, now is the perfect time to explore your options.
Now through June 30, 2026:
- HELOC: 2.50%* introductory rate for the first year
- Fixed Home Equity Loan: 4.50% APR*
Two Ways to Use Your Equity
HELOC
Think of a HELOC as a financial safety net. It is a revolving line of credit that gives you the flexibility to borrow what you need, when you need it, and only pay interest on what you withdraw. During the draw period, funds are there when opportunity or necessity comes knocking.
Fixed Home Equity Loan
Prefer something more predictable? A fixed Home Equity Loan provides a one-time lump sum with a fixed rate and set monthly payments. It’s ideal for larger, one-time expenses where you want consistency and a clear payoff timeline.
How Members Are Using Their Equity
- Home renovations and upgrades
- Debt consolidation
- Education expenses
- Emergency funds
- Major life purchases
Whether you’re remodeling your kitchen, simplifying your finances, or building a cushion for the unpredicted, tapping into your home’s equity with KUE can help you move forward with confidence.
HELOC Special: *APR = Annual Percentage Rate. Introductory rate of 2.50% APR is subject to change without notice. Rates effective 04/01/2026 through 06/30/2026. Introductory APR is available for all new lines of credit for a 12-month period of time from the date of the line of credit account opening. Minimum $10,000 line amount for promotional rate. $10,000 first draw is required. Refinancing of existing KUE FCU equity loans and lines of credit are excluded from introductory APR. The introductory APR will automatically terminate at the end of the 12-month introductory period and revert to the prevailing rate at that time. No notice to borrower required. Upon expiration of the introductory rate, the advertised regular rate applies to credit-worthy borrowers with property values equal to 80% loan to value (LTV). Your APR may vary. All balances will accrue interest at the variable APR in effect for your account based on LTV and credit worthiness. Rates may vary based on creditworthiness and loan-to-value (excludes rental properties). Primary residence only. Property insurance is required. Loans available for residences in Kentucky and surrounding states. Membership eligibility required. Credit Union is federally insured by the National Credit Union Administration and is an equal housing lender.
2nd Mortgage Special: **APR = Annual Percentage Rate at 4.50% loan for a 10-year term. Rates effective 04/01/2026 through 06/30/2026. Minimum loan amount of $25,000 required. $25,000 in new money required when refinancing an existing KUE FCU Home Equity Loan. Interest rates are based on creditworthiness and your home's loan-to-value. Primary residence only. Property insurance is required. Loans available for residences in Kentucky and surrounding states. Membership eligibility required. Credit Union is federally insured by the National Credit Union Administration and is an equal housing lender.