3.99% APR*
Introductory Rate
Through January 1, 2027
6.50% APR* - 8.50% APR*
Rate After Introductory Period
Variable Rate
3.99% APR*
Introductory Rate
Through January 1, 2027
6.50% APR* - 8.50% APR*
Rate After Introductory Period
Variable Rate
Home Equity Line of Credit
A Home Equity Line of Credit (HELOC) provides flexible, affordable financing by tapping into the equity you’ve built in your home. Whether you’re planning a wedding, tackling home repairs, covering school expenses, or dreaming of a vacation, a HELOC gives you access to funds when you need them. A HELOC gives you the ability to borrow, repay, and borrow again. It’s a smart, convenient way to manage life’s big moments while keeping your financial goals on track.
- Apply April 1, 2026 – June 30, 2026
- No Application Fees
- No Annual Fees
Please complete the contact form below, and someone will follow up with you.
Checklist:
- -Active MUCU membership (Non-members will need to open a membership account before the loan can be completed.)
- -Completed & signed loan application
- -Verification of income (2 current pay stubs, W-2 or last 2 years tax returns)
- -Two years tax returns required for self-employed applicants
- -State Equalized Value (SEV) or recent appraisal and summer and winter tax bills.
- -Proof of Homeowners Insurance and the cost of the policy (annually)
- -Current Mortgage Balance (Mortgage Statement)
- -Current year cost of summer and winter taxes.
Home Equity Line of Credit Disclosure:
*3.99% Annual Percentage Rate (APR) applies to qualifying Home Equity Line of Credit (HELOC) accounts from account opening through January 1, 2027. After January 1, 2027, your APR will change to a variable rate based on the Prime Rate published in The Wall Street Journal plus a margin.
As of April 27, 2026, variable APRs range from 6.50% to 8.50%. Your actual rate will depend on your creditworthiness at approval and will not be lower than 3.00% or higher than 18.00% during the life of the loan. The APR may change quarterly.
To qualify for the introductory APR, applications must be submitted between April 1, 2026 and June 30, 2026, and the account must be opened by August 31, 2026. Offer not available to existing MUCU HELOC or home equity loan borrowers and may not be combined with other offers.
All loans are subject to credit approval. Rates, terms, and margins may vary based on creditworthiness. Property insurance is required; flood insurance may be required.
Maximum loan amount is $150,000. Maximum combined loan-to-value (CLTV) is 90%. Minimum initial draw is $20,000.
In most cases, there are no closing costs. However, appraisal and/or title insurance may be required in certain circumstances, with costs typically ranging from $350.00 to $1,509.00.
NMLS#500296
