Loans & Credit Cards

Home Equity Loans/HELOCs

Looking to remodel your home? Put in a pool? Pay for a vacation? Pay for a college education? Consider our Home Equity Loans or Home Equity Lines of Credit (HELOCs) to pay for any of these or other spending plans you may have. You can enjoy a low rate and in most cases the interest you pay is tax deductible (consult your tax advisor for details). To learn more about our Home Equity Loans or Lines of Credit, give us a call at 800.940.9466Phone Icon or send us an email.


Home Equity Loans

If you like the stability and comfort of fixed rates, terms, and monthly payments, our home equity loans could be the right fit for you. We have low closing costs, and you can apply online. Check out our super low rates!

Home Equity Line of Credit (HELOC)

If you want to have a line of credit available to use whenever you need it, you're probably interested in our home equity line of credit (HELOC). There are no appraisal fees, annual fees, title fees, or application fees (some closing costs may be incurred depending on the location of the property). Save time and apply online today. Special! HELOC introductory rates are as low as 1.99% APR*!!

We also give you the option to move a portion of your HELOC into a fixed rate Home Equity Loan.**

*APR = Annual Percentage Rate. Prime as of 10/1/2017 is 4.25%. The introductory rate will remain the same for the first 3 months from the loan closing date. The interest rate is based on borrowing up to 80% of the value of your home. Upon expiration of the introductory rate, your rate will automatically revert to prime minus 25 basis points, currently 4.00%. Hazard insurance is required. Flood insurance may be required subject to flood certification. The maximum APR is 18%.

Offers are good for new MMFCU Home Equity Lines of Credit only. Limited Time Offer. May be withdrawn at any time. Requires a MMFCU Checking account.

**At anytime you may convert your line of credit balance into a fixed rate home equity loan. You must leave at least a $10,000 line of credit open to avoid any costs of converting. Fees may apply if your entire line of credit is closed and discharged. Your rate upon switching to a fixed rate will be set at the Credit Union's current rate on a home equity loan with a similar term.

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