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A couple raising coffee mugs beside a sawhorse work table in front of their home mid-renovation

Home Equity Line of Credit

Put the equity in your home to work on the projects in front of you. Borrow what you need, when you need it, and only pay interest on what you use.

Apply now

Intro Rate | As Low As

Fixed for 12 months

Current Variable Rate | As Low As

Prime Rate Plus Margin

Ask about our closing cost rebate. See details below.
  • Competitive Rates
  • Only Spend What You Need
  • Local Financing & Support

Renovation, repair, or whatever comes next.

GET IT DONE.

Apply now Learn more about home equity

Maine State Credit Union  |  NMLS#: 401003

Equal Housing
Opportunity

*Actual annual percentage rate (APR) depends on borrower’s credit history and underwriting factors. Introductory fixed rates range from 5.99% to 8.24% APR. After the 12-month introductory period, APR is variable and may change monthly based on the Prime Rate (as published in the Wall Street Journal) plus a margin. Current variable rates range from 6.25% to 8.50% APR. APR includes only interest and no other costs. As of 12/11/2025, Prime Rate is 6.75%. Maximum APR is 18.00%.

Closing Cost Rebate Offer: Borrower is responsible for third-party fees at origination. MSCU may rebate eligible third-party closing costs after verification qualifications. Appraisal fees on loans over $100,000 are not eligible. To qualify, at origination you must maintain an MSCU share draft account, and you must establish a recurring direct deposit within 90 days of HELOC origination date. Eligibility will be verified and rebate applied approximately 120 days after account opening. If requirements are not met, no rebate will be provided. Rebated amounts may be reported as taxable income.

Estimated third-party loan fees and closing costs range from $242 to $1,367. Property insurance and flood insurance (if applicable) are required. To qualify for promotion, must originate a minimum of $25,000 in new credit. Secured by a first or second lien on primary or second home. Subject to credit approval and membership eligibility. Programs, rates, terms, and conditions are subject to change without notice. Refinances of existing MSCU loans are not eligible. Offer valid 08/01/2026 through 09/30/2026.