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Last Updated: 04/18/2025

USPS Federal Credit Union Home Equity Line of Credit

from USPS Federal Credit Union

Last Updated: 04/18/2025

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Highlights

Credit Score Range

N/A

Amount Range

$10,000 - $200,000

Maximum LTV

90%

Minimum Draw

N/A

Loan Term (Years)

Up to 30

USPS Federal Credit Union Home Equity Line of Credit Review

USPS Federal Credit Union Home Equity Line of Credit is offered by USPS Federal Credit Union , a credit union founded in 1934 and based in Clinton, MD. USPS Federal Credit Union Home Equity Line of Credit are available in 49 states and Washington, DC.

Key Takeaways

Only primary residences considered. USPS Federal Credit Union Home Equity Line of Credit does not offer financing for vacation homes or investment properties.
No-closing-cost mortgages available. This option allows you to include the closing costs into the new loan, so you don't pay for these expenses upfront.
High maximum LTV ratio. USPS Federal Credit Union Home Equity Line of Credit has a maximum loan to value ratio of 90%.

USPS Federal Credit Union Home Equity Line of Credit Pros & Cons

Pros

Cons

No prepayment penalty.
Available in 49 states.

Charges an origination fee.
No co-sign option available.

USPS Federal Credit Union Home Equity Line of Credit FAQ

How much can you borrow with a HELOC?

HELOCs are lines of credit secured by your home. Once approved, you can access funds by check, phone, credit card, or online up to your credit limit.

Borrowers can apply for lines of credit of up to $200,000. The maximum amount depends on property value, existing mortgage balance, and creditworthiness.

The maximum loan-to-value (LTV) ratio goes up to 90%. This means total debt secured by the property cannot exceed this percentage of its value. For example, on a $100,000 home with a $20,000 mortgage balance, you may qualify for up to $70k in credit.

What are the terms for USPS Federal Credit Union Home Equity Line of Credit?

HELOCs include a draw period followed by a repayment period. During the draw period, borrowers can access funds as needed up to the credit limit.

USPS Federal Credit Union Home Equity Line of Credit offers home equity loans with a maximum term of 30 years and a draw period of up to 15 years.

Is there a minimum draw requirement?

No, there is no minimum draw requirement.

What fees does USPS Federal Credit Union Home Equity Line of Credit charge for a HELOC?

USPS Federal Credit Union Home Equity Line of Credit may charge an origination fee.

What types of property can you use as security for a HELOC with USPS Federal Credit Union Home Equity Line of Credit?

USPS Federal Credit Union may consider HELOCs secured by the following property types:

Primary residences

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

7905 Malcolm Rd

Suite 311

Clinton, MD 20735

(301) 856-5000

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

8:30AM - 2:30PM

Tuesday

8:30AM - 2:30PM

Wednesday

8:30AM - 2:30PM

Thursday

8:30AM - 2:30PM

Friday

8:30AM - 2:30PM

Saturday

Closed

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SuperMoney Net Recommendation Score

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-1000+100

No one recommends

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