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Home Equity
You’ve earned it. Now use it to finance everything from debt consolidation to renovations.
Explore your home equity options—from flexible lines of credit to fixed-rate loans—all backed by local service you can trust.
Popular Ways to Use Your Home Equity
From smart upgrades to once-in-a-lifetime experiences.
Home Improvements
Kitchen remodels, bathroom upgrades, energy-efficient windows, or that backyard oasis.
Education Costs
Invest in your future or your child’s—tuition, books, and more.
Debt Consolidation
Roll high-interest balances into one, potentially lower monthly payment.
Emergency & Unexpected
Cover medical bills or urgent repairs without tapping high-interest credit.
Business & Side Hustles
Seed capital for a small business or passion project.
Travel & Life Events
Weddings, dream vacations, or that bucket-list trek.
Major Purchases
Appliances, furniture, or a new roof—spread costs over time.
Safety & Accessibility
Home modifications to support mobility and aging in place.
Why Members Choose Our Home Equity
Member-first value with transparent terms and helpful, local support.
Competitive Rates
Borrow affordably with rates designed to help you do more with your equity.
Flexible Options
Choose a fixed Home Equity Loan or a revolving HELOC—whichever fits your plan.
Fast Approvals
Quick, local decision-making so you can access your funds without delay.
Local, Personal Service
Work with friendly loan experts who live and lend in your community.
Find Answers. Make a Plan.
Looking into a home equity loan? Visit our resource page for helpful tools, tips, and guidance to support your next step.
Make a Loan Payment Your Way.
Choose a one-time Express Pay option or set up scheduled payments with ease, all through our secure, online portal.
FROM HOUSE GOALS TO BIG DREAMS…WE’VE GOT YOU.
Whether you’re planning a remodel, paying for education, or finally building that deck, our local lending team is here to help you put your home’s value to work.
Home Equity Line of Credit
as Low as
6.75%APR*
7.25%Prime Rate
Fixed-Rate Home Equity Loan
as Low as
6.25%APR*
6.257%APR*
Home Equity Line of Credit (HELOC)
*APR=Annual Percentage Rate, includes closing costs and fees.
The rate is variable and can change at any time. Advertised rates assume the purpose of the loan is for cash-out equity with a variable rate Home Equity Line of Credit. Loan amount of $100,000; credit score of 740+; MSCU will hold first lien position; and property is your primary residence. Advertised loan rates are based on certain assumptions and loan scenarios, and the rate you may receive will depend on your individual circumstances, including credit history, loan amount, lien position, occupancy of property, and underwriting criteria. Other rates may be available. Property insurance and flood insurance (if applicable) are required. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. All loans are subject to membership eligibility, and credit and underwriting approval.
Fixed-Rate Home Equity Loan
*APR=Annual Percentage Rate, includes closing costs and fees.
Advertised rates assume the purpose of the loan is for cash-out equity with a fixed-rate and fixed-term Home Equity Loan. Loan amount of $100,000; credit score of 740+; MSCU will hold first lien position; and property is your primary residence. Advertised loan rates are based on certain assumptions and loan scenarios, and the rate you may receive will depend on your individual circumstances, including credit history, loan amount, lien position, occupancy of property, and underwriting criteria. Other rates may be available. Property insurance and flood insurance (if applicable) are required. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. All loans are subject to membership eligibility, and credit and underwriting approval.
MEET OUR HOME EQUITY TEAM
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