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Fixed Rate Home Equity

Put your home’s equity to work.

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Use the equity you’ve built in your home to access a flexible, affordable source of financing for a family vacation, home improvements, or just about anything else you can think of! Take advantage of competitive, fixed interest rates and low monthly payments on this lump-sum loan.

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Our fixed rate Home Equity Loans feature:

  • The equity in your home as collateral
  • Competitive fixed rates for 5, 10 or 15 years1
  • Flexible financing terms
  • Despite the change in the tax law, interest may still be tax deductible. Consult your tax advisor.

Get a no cost, no obligation quote + get started with pre-approval

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Desired Loan Amount *

Desired Loan Term

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Get approved in minutes with our simple online application (subject to standard credit-granting criteria). Or call 800-284-6328 or visit a convenient Mill City location.

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Loan Scenarios

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*APR = Annual Percentage Rate. Actual rate based on applicant’s credit qualifications, amount financed, collateral and loan terms. Rates and terms subject to change without notice. Loan rates apply to new loans or loans from other financial institutions and are not intended for refinancing of existing Mill City loans. Additional discounts do not apply. Consult your tax advisor for deductibility options. Member responsible for appraisal fees and for closing costs. Appraisal costs range from $75 to $600 depending on the property. Ask a credit union representative for complete details.

**LTV – Loan-to-value. This reflects the dollar amount of your mortgage loans compared to the value of the home.

Fixed Home Equity Rates as low as APR* as low as APR*
Term Up to 80% LTV** Monthly payment per $10,000 Up to 85% LTV** Monthly payment per $10,000
5 Year Fixed 4.49% $186.38 4.74% $187.52
10 Year Fixed 4.99% $106.02 5.24% $107.24
15 Year Fixed 5.25% $80.39 5.50% $81.71

1 Rates and Payment Disclosures