Home Equity Overview

Having extra cash when you need it is an important way of maintaining your peace of mind and your quality of life. That's why a UVA Community Credit Union home equity loan or line of credit is so helpful. You can use these home equity products for emergencies or to finance a renovation, purchase a second home, pay tuition, or consolidate loans. We offer low rates, flexible loan repayment terms, and a quick application process. The interest you pay on your loan may even be tax deductible. Please speak to your tax advisor.

Apply NowHome Equity Fixed Loan

  • access up to 80% of your equity for houses, 80% for land, 70% non-owner occupied
  • low rates and fixed payment schedules.
  • interest may be tax deductible (speak with your tax advisor)
  • learn more about Home Equity Fixed Loans

Apply NowHome Equity Line of Credit

  • revolving line of credit for up to 80% of the equity in your home
  • variable interest rate
  • interest may be tax deductible (speak with your tax advisor)
  • learn more about Home Equity Line of Credit
  • Interest only option available

Apply NowLand/Lot Loan

  • competitive fixed-rate loans with terms up to ten years*
  • 80% financing available

Go Green with a Home Renovation Loan

Get great rates on energy-saving home improvements with our PowerSaver Lending programs. Replace drafty windows and doors, install solar panels, or upgrade to high-efficiency appliances — our green lending programs cover dozens of home improvements that will reduce your energy bills.

Ready to Get Started?

Call 434-964-2001 and ask to speak with one of our home equity professionals.

Apply online for a Home Equity Loan

Apply online for a Home Equity Line of Credit

Apply online for a Land Loan


For information on any of our loan products, visit our Loan Overview.
For information on Online Banking and how it can help manage your finances online, view our Online Banking Overview.

*Payment example: 60-month term payments at 6.24% APR are $19.45 per $1,000.

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