Home Equity Line Of Credit Loans

You can put the equity in your home to work for you with a home equity line of credit (HELOC). You can use a home equity loan to finance a dream vacation, make home improvements, pay for college, or simply have it available in case of emergency. Missouri Central Credit Union offers convenience checks so that you are able to access your line of credit at any time. MCCU offers some of the best home equity loan rates available.

  • 10 year draw period
  • Up to 15 years to repay
  • Low or no closing costs
  • Borrow up to 95% of your appraised value

A Home Equity Line of Credit is a variable rate loan. The interest rate is subject to change quarterly on the first day of January, April, July, and October.  There is no limit on the amount by which the APR can change during any one year.  The maximum Annual Percentage Rate that can apply is 20.04% or the maximum permitted by law, whichever is less.  We use the highest Prime Rate per the Wall Street Journal on the 10th of March, June, September and December.


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