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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.

APPLY NOWHome Equity Fixed Loan

APPLY NOWHome Equity Line of Credit

APPLY NOWLand/Lot Loan

  • competitive fixed-rate loans with terms up to ten years*
  • 70% 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.

*APR = Annual Percentage Rate. Offer valid for a limited time. As of 4/01/2020 PRIME is 3.25% APR. These rates may vary and are indexed to the Prime Rate as published in the Money Rates section of The Wall Street Journal. Payment example: 60-month term payments at 6.24% APR are $19.45 per $1,000. Maximum APR is 18% APR. The variable APR and minimum payment can change monthly. APR may increase after consummation. Maximum loan amount is $200,000 and loan to value must be 80% or less. Not all applicants will qualify for this rate. Insurance on home used as collateral is required. Primary residence only, excluding manufactured homes. No closing costs for new home equity loans and lines $30,000 and more. If the line is closed within two years of inception date, borrower is required to repay closing costs. Average closing costs range from $1,200-$1,500 for $30,000 borrowed. Offer not valid on existing UVACCU Home Equity Lines of Credit. Offer may be discontinued at any time without notice. All loans subject to credit approval. Other restrictions may apply. Membership eligibility required. Minimum ongoing balance of $5 is required in a UVA Community Credit Union Share Savings Account. A one-time $5 membership fee may apply if not currently a UVA Community Credit Union member. NMLS#302946 (

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