Home Equity Loans and Lines of Credit

Term APR As Low As*
1-7 Year 5.19%
8-10 Year 5.49%
11-12 Year 5.99%
13-15 Year 6.49%

It's likely that your home is worth more now than when you purchased it. With either a fixed-rate Home Equity Loan or revolving Home Equity Line of Credit, the difference between the value then and the increased value now can mean cash for you.

Fixed-Rate Home Equity / Debt Consolidation Loan

A fixed-rate Home Equity Loan allows you to take the difference between your home's original value and the value today as one lump sum. Plus your payments on the loan are fixed, so you can budget effectively. With a fixed-rate Home Equity Loan:

Apply for Your Home Equity Loan Now

Home Equity Line of Credit

A Home Equity Line of Credit (HELOC) is a revolving line of credit with an adjustable interest rate and variable payments. It's a flexible, low-interest way to obtain cash as you need it.

Apply for Your Home Equity Line of Credit Now

If you're a MUCFCU member, your loan can be processed 100% online -- you never have to set foot in the credit union!

Not yet a member? Click here to start the process of opening an account.


*Advertised rates current as of 10/17/2019. The Annual Percentage Rates (APRs) listed above are minimum rates reflecting the highest credit rating, along with a .35% rate discount for Payroll Deduction and Automatic Loan Payments. The rate you pay will be based on individual credit history, account relationships, and the term of the loan. Maximum rate on any loan is 18.00%. Certain credit restrictions apply. 

**Balloon payments may result from making minimum monthly payments on a Home Equity Line of Credit.

Closing costs may apply to Home Equity Lines of Credit $5,000 and below. Home Equity Loans and Lines of Credit are subject to a Loan Processing fee of $75.00 for secured loans. Fees may be assessed for late payment; for a complete list of possible fees, see our Fees guide. Rates, terms, conditions and product components are subject to daily change without notice.