Credit Unions | United Health Services Federal Credit Union

United Health Services Federal Credit Union

United Health Services Federal Credit Union is a NCUA insured federal credit union headquartered at PO Box 3110, Spokane, WA 99220.
It was founded in 1960 and has approximately $104 million in assets. Customers can open an account at one of its 6 branches.

Deposit Rates - July 10, 2025

Featured Home Equity Rates

Lender APR(%) Min.Initial
Draw Amount Learn More
Sponsored

Advertiser Disclosure

Figure Home Equity
NMLS ID: 1717824 / Updated 2025-07-10

Intro APR: 7.250 %
After Intro:7.250 %

$15,000

Flexible terms, borrow $15K-$750K, redraw up to 100%
Use to consolidate debt or finance your next home project
100% digital app & automated valuation
Largest non-bank HELOC lender in the US

Reliant Home Funding, Inc
NMLS ID: 292473 / Updated 2025-07-10

Intro APR: 7.250 %
After Intro:7.250 %

$15,000

Relationships Rule: Transactions end, Relationships remain
Accountability is Personal: Reflection before Projection
Service through Knowledge: Great service means great understanding
Evolve to Excel: We need to adapt and improve to succeed

Owning.com
NMLS ID: 2611 / Updated 2025-07-10

Find what’s best for you: HELOC, Home Equity Loan, Cash Out Refi

Apply in 5 minutes, get your money in as fast as 5 days.
Digital application experience.
Funds directly to your bank account.
No in-person appraisal needed.

Four Leaf Federal Credit Union
NMLS ID: 449104 / Updated 2025-04-18

Intro APR: 6.490 %
After Intro:7.750 %
Intro Period: 12 months

$25,000

Tap into your home's equity & access the funds you need with a HELOC
Apply online or speak with a specialist
No application, origination & appraisal fees on lines up to $500K[3]
On average, access funds within 35 days[5]

Farmers Bank of Kansas City
NMLS ID: 613839 / Updated 2025-06-20
Equal Housing Lender

Intro APR: 8.500 %
After Intro:8.500 %

$25,000

Customized Rate Quote
24/7 Online Borrower Portal
Streamlined Online Application
Up to 100% LTV

AmeriSave Mortgage Corporation
NMLS ID: 1168 / Updated 2025-07-10

Home Equity Loans & Refinance – Cash out

Home Equity Loans & Refinance – Cash out
Customized rate quote with no impact to credit
Low Rates, Quick Approvals, Wide Range of Products
Over 100 Billion Funded. 22 Years in Business

Achieve Loans
NMLS ID: 1810501 / Updated 2025-05-08

Intro APR: 10.125 %
After Intro:10.125 %

Competitive rates, Pre-qualify in minutes
Mortgage Advisors standing by to help find the best solution
Flexible terms with fast funding
Minimum credit score: 640

Spring EQ
NMLS ID: 1464945 / Updated 2025-07-10

The leader for homeowners tapping cash from their homes since 2016.

Access up to 90% of your home's equity, up to a maximum of $500,000.
FIXLINE: The flexibility of a HELOC with the stability of a HELOAN.
A fixed rate for life- no need to worry about fluctuating rates.
We make it easy - and fast - to access your cash (as little as 11 days).

Upstart
NMLS ID: 2443873 / Updated 2025-07-10

As low as 6.77% APR on your initial draw*

As low as 6.77% APR on your initial draw*
Get your money up to 6x faster than the industry standard*
Fixed rate on each draw*
No paperwork needed to apply

Figure Home Equity Line
NMLS ID: 1717824 / Updated 2025-07-10
Equal Housing Lender

HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online.

Fastest way to turn home equity into cash
Flexible terms, redraw up to 100%, borrow $15k-$750k
Approval in as little as 5 minutes. Funding in as few as 5 days.
Use to consolidate debt or finance your next home project

PenFed Credit Union
NMLS ID: 401822 / Updated 2025-07-10
Equal Housing Lender

Home Equity Line of Credit - Equal Housing Lender

Home Equity Line of Credit - Equal Housing Lender
Loans Amounts from $25,000 - $500,000
Get a HELOC from PenFed to Put Your Home Equity to Work
HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans

Haven Home Equity
NMLS ID: 4181 / Updated 2025-07-10
Equal Housing Lender

Tap Into the Equity of Your Home to Get The Cash You Need

1st Mortgages & Home Equity Loans (Credit Score Approvals Down to 500)
Cash Out and Debt Consolidation Experts
Self Employed Bank Statement Loan Programs
A+ BBB Rating and 4.9 Stars on Google

New American Funding, LLC
NMLS ID: 6606 / Updated 2025-07-10

Cash-Out and Home Equity Options Available.

Competitive Rates for FICO Scores 580-679
366k+ positive reviews, A rating from the BBB
Pay off higher interest rate credit cards, Pay college tuition
100% online mortgage application available

Point Digital Finance
NMLS ID: Not a Lender / Updated 2025-07-10

Get up to $500k with no monthly payments, ever.

Use your funds your way
No income verification - ideal for self-employment or retirement planning
Enjoy maximum flexibility - 30 year term, no prepayment penalties
Home Equity Investments are not considered a loan in all states

CrossCountry Mortgage, LLC
NMLS ID: 3029 / Updated 2025-07-10

Unlock Your Home's Potential

Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions!
Unlock Your Home's Value: Discover the Power of our Online HELOC!
Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step
Secure Your Future: Experience the Ease of our Fixed Home Equity Loans

Unlock Technologies, Inc.
NMLS ID: Not a Lender / Updated 2025-07-10

Get cash now in exchange for a percentage of your homes future equity.

No monthly payments or interest charges
Minimum Credit score: 500
Access up to $500k
No need to refinance

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Featured 30-Year Fixed Mortgage Rates

Lender APR(%) Monthly Payment Learn More
Sponsored

Advertiser Disclosure

Basis Lending, LLC
NMLS ID: 2463124

6.289%

$1,945 Fees & Points $5,706 Total
0.750 Pts ($2,400)
$3,306 Fees

Let our Licensed Experts help you make the best decisions possible.

Direct Home Lending
NMLS ID: 274058
License#: 1234564

6.337%

$1,971 Fees & Points $2,957 Total
0.924 Pts ($2,957)
$0 Fees

A Better Type of Home Lending

Pure Rate Mortgage
NMLS ID: 2578474

6.356%

$1,971 Fees & Points $3,610 Total
0.800 Pts ($2,560)
$1,050 Fees

Pure Rate equals Pure Savings
We provide real-time access to premier wholesale lenders
Delivering wholesale pricing instantly

Green Lending, LLC
NMLS ID: 2598612

6.361%

$1,971 Fees & Points $3,967 Total
0.924 Pts ($2,957)
$1,010 Fees

Personalized mortgage solutions designed for your lifestyle.
Expert advice and support every step of the way.
Simplifying the mortgage process so you can focus on living.

West Capital Lending
NMLS ID: 1566096

6.500%

$1,997 Fees & Points $4,191 Total
0.905 Pts ($2,896)
$1,295 Fees

Let's CrunchtheNumbers and See if a Refinance Makes Sense for You

Allied Mortgage Group, Inc.
NMLS ID: 1067

6.562%

$2,021 Fees & Points $2,410 Total
0.753 Pts ($2,410)
$0 Fees

Streamlined Process
Expertise
Customer Service

Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894

6.588%

$2,021 Fees & Points $3,270 Total
0.803 Pts ($2,570)
$700 Fees

A brand you know and trust
Quick and efficient process
Mortgage products to fit your needs

Northpointe Bank
NMLS ID: 447490

6.598%

$2,021 Fees & Points $3,597 Total
0.688 Pts ($2,202)
$1,395 Fees

Great Rates
Personal Service
FDIC insured banking institution.

Farmers Bank of Kansas City
NMLS ID: 613839

6.617%

$2,021 Fees & Points $4,259 Total
0.741 Pts ($2,371)
$1,888 Fees

Competitive rates.
Surprisingly smooth process.

Yakima Federal Savings & Loan Association
NMLS ID: 432980

6.623%

$2,023 Fees & Points $4,324 Total
0.000 Pts ($0)
$4,324 Fees

As a portfolio lender, we will be here for you through the life of the loan.
We will not sell your loan.

Barrett Financial Group
NMLS ID: 181106
License#: 1998387

6.649%

$1,997 Fees & Points $9,340 Total
0.799 Pts ($2,557)
$6,783 Fees

Refinance Smart, Save More – Washington’s Trusted Mortgage Broker

Sage Home Loan Corporation
NMLS ID: 3304

6.739%

$2,049 Fees & Points $3,788 Total
0.717 Pts ($2,294)
$1,494 Fees

Your Stress-Free Pathway

PenFed Credit Union
NMLS ID: 401822

6.794%

$2,049 Fees & Points $5,600 Total
0.750 Pts ($2,400)
$3,200 Fees

Let PenFed Bring You Home With Confidence
Benefits before and after you refinance
Lower your payment, get cash out, and more

Sammamish Mortgage Company
NMLS ID: 118653
License#: CL-118653

6.875%

$2,103 Fees & Points $389 Total
0.000 Pts ($0)
$389 Fees

Underwritten Pre-approvals - Close in 3 week or less

Agave Home Loans
NMLS ID: 1951574
License#: CL-1951574

7.057%

$2,127 Fees & Points $2,352 Total
0.673 Pts ($2,154)
$198 Fees

Low Rates and Great Service Earned Us 1200+ 5-Star Reviews and A+ BBB Rating
Combine high-interest debts into one loan with a lower interest rate
Get a Quick Quote

Freedom Mortgage Corporation
NMLS ID: 2767

Fees & Points Total
Pts ($0)
$0 Fees

We approve credit scores as low as 550 for VA and FHA refinancing
Family-owned, 35+ years of cash out assistance
A top FHA and VA lender

Haven Home Equity
NMLS ID: 4181

Fees & Points Total
Pts ($0)
$0 Fees

We Approve Credit Scores Down to 500
Self Employed Bank Statement Loans
Investor Loans - DSCR - Cash Out

Rocket Mortgage
NMLS ID: 3030

Fees & Points Total
Pts ($0)
$0 Fees

Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms

Veterans United Home Loans
NMLS ID: 1907

Fees & Points Total
Pts ($0)
$0 Fees

Use your VA Loan benefits to get cash from your home equity
Get a personalized quote fast with instant uploads and 24/7 access
Over 300,000 verified 5-star reviews

Quicken Loans
NMLS ID: 167283

Fees & Points Total
Pts ($0)
$0 Fees

Homeowners best kept secret for cash
See if a HELOAN could lower payments
Access cash without a changing your rate

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Overview 2025

General Credit Union Information

NCUA Insured	Yes / Federally Chartered
Charter Number	# 68206
Date Established	1960
Assets	$103.78 million
Loans	$41.04 million
Deposits	$91.70 million
Capital	$10.48 million

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United Health Services Federal Credit Union

Deposit Rates - July 10, 2025

Featured Home Equity Rates

Featured 30-Year Fixed Mortgage Rates

Overview 2025

General Credit Union Information

Customer Reviews for United Health Services Federal Credit Union

Branches

United Health Services Federal Credit Union Locations

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