Limited-Time Offer
Take advantage of a reduced rate on eligible advances from your existing MCU Home Equity Line of Credit and put your home’s equity to work for the projects, plans, and expenses that matter most.
Offer Details
- Enjoy this great promotional rate on qualifying HELOC advances.
- Take eligible advances between June 15, 2026 and September 15, 2026.
- Keep that promotional rate on those qualifying advances through March 15, 2027.
- Use funds for home updates, planned expenses, or other borrowing needs.
Contact us today to take advantage of this great offer!
Who is Eligible?
This promotion is available to members with an existing MCU HELOC who meet the following requirements:
- Your HELOC is already established with MCU.
- Your accounts are in good standing, including loan payment status and insurance requirements.
- You do not have a delinquency history that would make you ineligible for the offer.
- Your HELOC has a Credit Limit Expiration date after March 15, 2027.
What Can I Do with My HELOC?
- Plan a home renovation
- Manage credit card debt
- Take a family trip
- Cover unexpected repairs
- Consolidate high-interest debt
- Or something else that matters to you
It’s your call.
Your MCU HELOC gives you the flexibility and freedom to chart your course on your terms, at a rate designed to help you save.
Important Payment Information
Payments are applied to the portion of your balance with the lowest interest rate first.
*Promotional Period Annual Percentage Rate (APR) of 3.99% is available on qualifying Home Equity Line of Credit (HELOC) advances made between June 15, 2026 and September 15, 2026. The promotional APR will apply only to qualifying advances taken during the promotional period and will remain in effect on those advances through March 15, 2027. Advances made before enrollment in the promotion or after September 15, 2026 are not eligible for the promotional rate. After March 15, 2027, any remaining promotional balance will convert to the standard variable APR in effect at that time in accordance with the terms in your HELOC agreement. This offer is available only to existing HELOC members who meet credit and account eligibility requirements, including being in good standing and meeting underwriting criteria. Not all applicants will qualify. All other terms and conditions in your HELOC agreement apply.
**As of June 15, 2026 the standard variable APR for new HELOCs is based off Prime Rate plus Margin and Prime rate as of June 15, 2026 is 6.75% and varies as published in the Wall Street Journal (WSJP). The 6.75% APR (WSJP + 0% margin) is for borrowers with a credit score greater than 719, and loan to value (LTV) less than 60%. Margins range from 0% to 11.25% based on your credit score and LTV as described in your HELOC agreement. This rate is variable and may increase over time and is also subject to change without notice. The max APR that can apply is 18%. During the draw period (120 months), the minimum monthly payment is the greater of $75 or 1.5% of the outstanding principal balance. For example, for a $10,000 balance at 6.75%, the minimum monthly payment would be approximately $150.
After the draw period, a repayment period of 180 months applies, during which the payments could vary depending on the outstanding balance at the end of the draw period. Closings costs typically include a $250 origination charge, appraisal fee that is approximately $650, and title insurance costs that range from $500-$1,600. Property insurance is required. Your actual rate, payment, terms and costs will vary based on your credit profile, credit score, loan amount, property type, loan to value, account activity, and third-party provider costs.
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