HELOC Special

No matter what you’re wishing for,


Use the equity you’ve built in your home to finance just about anything – from home renovations to vacations, financing special events, or event paying off debt.

  • Borrow additional funds as needed over the next ten years.
  • Quickly access HELOC funds via online banking or the mobile app 24/7.
  • Enjoy potential tax advantages.**
  • Receive a FREE home value estimate.

Apply for a HELOC now     Send us your HELOC questions




*$99 closing costs offer excludes the cost of a full appraisal, if needed. **Consult a tax advisor. Minimum qualifying credit line of $25,000 and required 1st advance of $10,000 at closing, and a loan-to-value equal to or lower than 85%. Other terms, restrictions and fees may apply for loans with a loan-to-value greater than 85%. An appraisal is required for loans with a loan-to-value greater than 85%. The range of costs for the appraisal is between $450.00 to $750.00, and the applicant is responsible for this cost. hoME1st Equity Line of Credit is an adjustable-rate product and may adjust quarterly. Refinance of existing M1CCU loans not eligible. Subject to membership, credit, and underwriting guidelines. Max. Annual Percentage Rate (APR) is 18%. The Index rate is the Prime Rate as published in the Wall Street Journal on the date, 60 days prior to any scheduled rate adjustment, plus a margin with a floor rate of 4.25%. The current fully indexed rate as of 12-31-2022, is 6.25% APR for a loan-to-value up to 85% & 7.75% APR for a loan-to-value up to 100% with a qualifying credit score. There are no annual fees: however, there may be an early termination charge applied if the line of credit is closed within 36 months of opening. Property Insurance required. Federally insured by NCUA, Equal Opportunity Lender, NMLS#461085