Home Equity Line of Credit
as low as 5.99% APR for 12 months
as low as 5.99% APR for 12 months
Take control of your finances and tackle your goals with a Home Equity Line of Credit from Maine State Credit Union. For a limited time, take advantage of rates as low as 5.99% APR for 12 months. It’s the smart way to get things done—whether it’s paying down debt, making home improvements, or seizing new opportunities.
Take advantage of competitive rates and no closing costs on eligible HELOCs.
Use your home equity for home improvements, education, debt consolidation, or your next big adventure.
From smart upgrades to once-in-a-lifetime experiences.
Kitchen remodels, bathroom upgrades, energy-efficient windows, or that backyard oasis.
Invest in your future or your child’s—tuition, books, and more.
Roll high-interest balances into one, potentially lower monthly payment.
Cover medical bills or urgent repairs without tapping high-interest credit.
Seed capital for a small business or passion project.
Weddings, dream vacations, or that bucket-list trek.
Appliances, furniture, or a new roof—spread costs over time.
Home modifications to support mobility and aging in place.
Member-first value with transparent terms and helpful, local support.
Borrow affordably with rates designed to help you do more with your equity.
Choose a fixed Home Equity Loan or a revolving HELOC—whichever fits your plan.
Quick, local decision-making so you can access your funds without delay.
Work with friendly loan experts who live and lend in your community.
Disclosures
*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.
| 1 Year | $500.00 | 90 Days | 3.687% | 3.75%* | ||
| 2 Year | $500.00 | 90 Days | 3.445% | 3.50%* | ||
| 3 Year | $500.00 | 180 Days | 3.251% | 3.30%* | ||
| 4 Year | $500.00 | 180 Days | 3.105% | 3.15%* | ||
| 5 Year | $500.00 | 180 Days | 2.960% | 3.00%* |