Thinking about what's next for your home?
Decisions about your home carry real weight — for you, your family, and your financial future. Before you make your next move, take a moment to talk it through with our team. We’re here to help you gain clarity, whether you’re thinking about buying a new home, making improvements to the one you have, or simply staying put until you're ready.
As local lending experts, we can help you understand how different options can fit your situation and your goals. Your financial success is the reason we’re here, which means we take the time to answer your questions, listen to your needs, and explain anything that needs explaining with straightforward facts. Think of us as your financial champion. We’re on your side and here to help you move forward with confidence.
Let's talk about your home goals.
Start with clarity, not a commitment. Let us know you're interested, and we'll follow up within 1-3 business days.
Talk with a Financial Champion
Or stop by your local branch anytime.
Learn more about our home loan options.
Your home’s equity can help you tackle home projects and upgrades, consolidate that high-interest debt that keeps you up at night, or cover other major expenses. You can choose a home equity loan, or if you’d like more flexible financing, opt for a home equity line of credit (HELOC).
Moving to a new home? We offer a variety of mortgage options for different types of homebuyers. We can help you find the best one for you, so you can get into your new home ASAP.
Market-leading loan rates for your home goals.
†APR = Annual Percentage Rate. A fixed promotional rate of 4.99% APR is available on qualifying Home Equity Lines of Credit (HELOCs), including Interest-Only Home Equity Lines of Credit (IO-HELOCs). For existing HELOCs in good standing, the promotional rate applies to advances made between January 1, 2026 and March 31, 2026, and will remain in effect on those advances through June 30, 2026, after which the rate will revert to the standard variable rate as disclosed in your Home Equity Addendum. For newly opened HELOCs, the promotional rate applies to HELOCs funded between January 1, 2026 and March 31, 2026, and will remain in effect for six (6) months from the loan funding date on advances made during that three-month promotional funding period, after which the rate will revert to the standard variable rate as disclosed in your Home Equity Addendum. Existing balances prior to the promotional period are not eligible. At the end of the introductory rate, on June 30, 2026 for existing HELOCs or six (6) months from the loan funding date for newly opened HELOCs, your APR changes to a variable rate of interest as low as 6.75%, although your applicable rate may differ based upon your credit history available as of the date of loan approval. The variable rate is based on an index plus margin and will not exceed 18.00% APR. Maximum loan-to-value of 80% applies. Loan is subject to credit approval. Other terms, conditions, and restrictions may apply. Promotion is subject to change.
*Annual Percentage Rate (APR) may be higher, based on term of loan, credit score, collateral, and loan to value. Ask an MSGCU Representative for details.Example: A loan amount of $15,000 at 60 months with up to 80% Loan-to-Value and a rate as low as 6.25% (second lien) would be approximately $291.76.
**APR = Annual Percentage Rate. The initial payment is based on a $200,000 loan on a $335,000 property in Michigan, amortized for 30 years. This assumes the loan is for the refinance of a single-family residence that will be used as a primary residence and that the applicant has a credit score of 740 or higher. The payment consists of principal and interest and does not include taxes and insurance premiums. The actual payment amount will be greater. After the initial fixed period, the principal and interest payment can change every year for the remaining life of the loan. View payment details.
