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Let’s Make it Happen

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Leverage the value of your home to fund your dreams一home improvement projects, education, luxury vacations, and more!

As low as 7.500% Annual Percentage Rate (APR)

Home Equity Loans

As low as Prime Annual Percentage Rate (APR)

Home Equity Line

You’ve worked hard building equity in your home一now make it work for you!

Access your home value with one of our home equity loans or lines of credit.

Apply for a Home Equity Loan
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Home Equity Loan

  • Fixed Rate | Borrow up to $400,000 | 10 or 15 Year Term
  • A home equity loan (HELOAN) is a fixed rate loan you can set for 10 or 15 years. Your monthly payment is the same over the life of the loan, which makes budgeting easier.
  • No Prepayment penalty | $625 Processing Fee | Interest may be tax deductible1
  • For Predictability | Easy Budgeting
Apply for a Home Equity Loan
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Home Equity Line Of Credit (HELOC)

  • Variable Rate | Revolving Line up to $400,000 | 15 Year Term
  • A HELOC is  a revolving line of credit you can borrow against. Instead of withdrawing a set amount of funds all at once, you simply borrow as you go. You can use free checks to access your line of credit. 
  • No Prepayment Penalty | Annual Fee2 | Interest may be tax deductible1
  • For Convenience | Flexibility
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Investment Property Home Equity Loans & HELOC

  • Investment Property Home Equity Loan || Fixed Rate | Borrow up to $100,000 | 10 or 15 Year3 Term
  • Investment Property HELOC || Variable Rate | Revolving Line up to $100,000 | 15 Year Term | No closing cost for CT properties | Free Checks to access your HELOC
Apply for an Investment Property Home Equity Loan

Annual Percentage Rate(s) shown are the lowest rates available. Your actual rate may vary and can be higher based on creditworthiness. Terms shown are the best terms available. Rates are subject to change without notice. Other restrictions may apply. For our most current rates, visit our Rates Page.

*MSCU does not provide tax advice. Always check with your tax professional regarding deductibility. 

HELOC Featured Rate Disclosure: New Home Equity Lines of Credit with a minimum rate of 4.00% nor exceed a maximum of 18.00%. A variable rate will apply based on The Wall Street Journal Prime Rate. The APR shown is our lowest available, your rate may be higher depending on credit history and underwriting criteria. Advertised rates assume maximum loan to value of 75%. Maximum Line amount of $400,000. Term is 15 years. 1Consult your tax advisor regarding the deductibility of interest. Subject to appraisal and credit approval. Offer may be withdrawn at any time. 2A $50 annual HELOC fee will be charged annually during the 5-year draw period. 3Investment Property-Maximum LTV is 70% & Maximum Line amount of $100,000. Proof of homeowner’s insurance required. CT owner-occupied properties only. Membership in Mutual Security Credit Union is required with a minimum $5 deposit into a Membership Account. Other terms and conditions may apply.

*APY = Annual Percentage Yield | APR = Annual Percentage Rate
F = Fixed Rate | V = Variable Rate
LTV = Loan-to-Value