Home Equity

*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. 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.