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Fixed Rate Home Equity

Put your home’s equity to work.

Estimate Your Payment   ➤

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:

  • No closing costs*
  • The equity in your home as collateral
  • Competitive fixed rates for 10 or 15 years1
  • Flexible financing terms

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

First Name *

Last Name *

Email *

Phone Number *

Preferred Contact Method

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. No closing costs. The appraisal fee is the responsibility of the applicant regardless of whether the loan is consummated. Appraisal costs range from $75 to $600. 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
10 Year Fixed 4.99% $106.02 6.24% $112.23
15 Year Fixed 5.25% $80.39 6.50% $87.11

1 Rates and Payment Disclosures