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Routing Number: 272479663 Swift Code: MSUCUS44
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SmartLine Home Equity Loan
SmartLine Home Equity Loan
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How does SmartLineā„  work?
A recent credit report or soft credit pull will be used to determine what fixed-rate you qualify for. Once determined, the Credit Union employee will set up a segment in your account. A segment must be $2,500 or more and cannot be more than the available credit limit. There is no fee for the first segment; however, you may be charged a $25 fee for each subsequent segment.

To lock a segment, contact the Credit Union by selecting this option on ComputerLine/mobile, visiting a branch, calling, or through eMessage Center. A fee of $25 may apply to requests to reverse a segment.

The portion of a SmartLine℠ Home Equity Loan that is not locked functions like a line of credit. The interest rate charged will be based on Prime rate published in the Wall Street Journal. This interest rate is fluid and may go up or down on a monthly basis.

Interest is only charged on funds borrowed. If you have $50,000 of available credit and borrow $15,000, you will only be charged interest on the $15,000 borrowed. The additional $35,000 is available, but does not cost anything until borrowed from.

Eligible properties include primary residences and owner-occupied second homes. Properties must be located within Michigan.
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