Home improvement loans are great for small projects, and a mortgage is for buying the house. When the job is bigger than one and you already own the other, a home equity line of credit is the right tool — from 7.75% APR.
A HELOC puts the equity in your home to work, with convenience checks that let you draw on the line whenever you need it.
A home equity line of credit is a loan that uses your home as collateral, but it behaves more like a credit card than a mortgage: you get a limit, and you borrow any amount up to it — all at once, or a little at a time across the draw period.
In addition to the rate below, MCCU member/owners get access to every one of our financial services — and there's no fee to join.
Variable rate, subject to change quarterly. Maximum APR 20.04% (or maximum permitted by law). Credit limits $10,000 – $150,000. Available on single-family, owner-occupied homes in Jackson, Clay, Cass, Platte and Lafayette counties (MO) and Johnson and Wyandotte counties (KS).
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, and there is no limit on the amount by which the APR can change during any one year. We use the highest Prime Rate published in the Wall Street Journal on the 10th of March, June, September and December. HELOC rates effective July 16, 2026. APR = Annual Percentage Rate. LTV = Loan to Value. All rates are subject to credit approval, loan-to-value, and other underwriting factors. Equal Housing Opportunity. Federally insured by NCUA. MCCU NMLS #477560.
Apply online, or sit down with a loan officer in the branch. We'll answer your HELOC questions and work through the rate you'd actually qualify for. Prefer to start with a conversation? Call 816-246-0002.
Tell us how to reach you and a Missouri Central loan officer will follow up with what your home equity line could look like.
Prefer to talk it through? Call 816-246-0002 or email askmccu@mocentral.org.
Apply online, in person, or over the phone in just minutes.
Send in your documentation — we make this part painless.
Sign your final paperwork and start the next chapter.
