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Make Your Equity
Work for You
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Variable-Rate Home Equity Line-of-Credit
as low as
3.75% APR
Fixed-Rate Home
Equity Loan
as low as
3.75% APR
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Home Equity
What it is
Use the equity in your home to finish your to-do list. Add that porch, make repairs, or have a back-up source of funds for an emergency. Our home equity options give you the flexibility to use your home's equity to your advantage.

Variable-Rate Home Equity Line-of-Credit
Utilize the equity in your home to your advantage with our Variable-Rate Home Equity Line-of-Credit1. Easily tap into your equity with our Prime Advantage Platinum Visa, personalized checks, and enjoy quick access via ComputerLine, the mobile app, or MoneyLine.

• Revolving Line of Credit limit from $5,000 to $300,000
• No prepayment penalty
• Tax deductibility
• Low closing costs
• Our variable rate loan is based on market interest rates.

Fixed-Rate Home Equity Loan
Considering a large home improvement project or making a substantial purchase? A Prime Advantage Fixed-Rate Home Equity Loan2 may be able to help. The rate, as low 3.75% APR, is fixed for a set amount with a term up to 180 months.

• One-time loan from $5,000 to $300,000
• Tax deductibility
• No prepayment penalty
• No or low closing costs

Disclosures
1 Variable-Rate Home Equity Line-of-Credit
Only Michigan owner-occupied properties are eligible. Consult with a reliable tax advisor about the deductibility of home equity loan interest. The Credit Union will acquire a security interest in your home and if timely repayment is not made, your home could be subject to loss.

Your rate will depend on your credit score and Loan-to-Value ratio. This product has a variable-rate that is based on the market rates (prime plus margin). Your margin will be between 2.00% APR and 7.00% APR. Your overall rate (prime plus margin) will never fall below 2.00% APR, nor will it exceed 18.00% APR.

Subject to MSUFCU's Floor Rate.

Any time an appraisal is required, the cost will be the borrower's responsibility. Any special offer does not apply to the cost of the appraisal.

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2 Fixed-Rate Home Equity Loan
Your rate will depend on your credit score. The monthly payment per $1,000 borrowed at 3.75% APR for a term of 60 month with 70% Loan to Value (LTV) would require 60 monthly payments of $18.31 based on 30 days to first payment. Credit is subject to approval. Rates, terms, and, conditions are subject to change at any time based on market conditions or other business factors.


Consult with a reliable tax advisor about the deductibility of home equity loan interest. Only Michigan owner-occupied properties are eligible. MSUFCU will acquire a security interest in your home and if timely repayment is not made, your home could be subject to loss.

Any time an appraisal is required, the cost will be the borrower's responsibility. Any special offer does not apply to the cost of the appraisal.