Make your home work for you.

Choose between fixed and variable rates, depending on your plans and budget. Either way, we make the application process quick and easy.

intentionally empty table head APR* Payment Payout

Home Equity Loan

Ideal when you want a fixed rate and know exactly how much money you need
 
as low as 4.25% Fixed Paid out in a one-time lump sum

Home Equity Line of Credit (HELOC)

Flexible option that allows you to access money anytime for up to 10 years and repay it over 15.
 
as low as 5.50% Variable Available as you need it, similar to a credit card

Interest-Only Home Equity Line of Credit
(IO-HELOC)

All the benefits of a HELOC and more; including lower, interest-only payments.
 

as low as 5.50%

Variable Available as you need it, similar to a credit card

*APR = Annual Percentage Rate. Rates may vary, based on term, credit history, collateral, and whether this loan will serve as a first or second lien. Variable rates are tied to market index (or prime rate), not to exceed 18% APR. Interest calculated on current balance only. Interest-only payments are not applied to loan principle. No advance fee. Third party fees paid by MSGCU to be reimbursed up to $500 if line of credit is closed within 36 months of loan opening.Monthly payments during the Draw Period will reflect interest charges accrued an outstanding balance from the previous month.

 

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