No Fee** 1.99% APR* Home Equity Line of Credit
Introductory Rate until January 1, 2026
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 – June 30, 2025
- No Application Fees
- No Annual Fees
Please complete the contact form below, and someone will follow up with you.
- -Active MUCU membership (Non-members need to complete an Application for Membership and return it with two pieces of identification per signer.)
- -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:
*INTRODUCTORY INTEREST RATE. An introductory ANNUAL PERCENTAGE RATE (APR) of 1.99% is available for home equity line of credit accounts only and applies to the monthly balances for the billing cycles beginning with the account open date until January 1, 2026. At the end of the introductory rate, on January 1, 2026, your APR changes to a variable rate of interest as low as 3.00%, although your applicable rate may differ based upon your credit history available as of the date of loan approval. To receive the introductory rate, the completed application must be submitted between April 1, 2025 and June 28, 2025 and the account opened by August 31, 2025 with your consummation (closing) of the mortgage loan. This special offer is for a limited time only and cannot be combined with any other offer. This offer is not available for current MUCU HELOC or Home Equity loan borrowers. After the introductory rate expires, your margin, rate, and payment may differ based upon your credit history available as of the date of loan approval and your rate will never be lower than 3.00% or higher than 18.00%. After the introductory period, the applicable APR is a variable rate that may change based on the prime rate of interest as published in The Wall Street Journal’s listing of “Money Rates” and determined on the last business day of each quarter and effective on the first business day of each quarter, plus a margin (the most recent figure available in the historical chart below).
**No fees in most cases, but an appraisal fee and/or title insurance may be required at member’s expense.