Real Estate Loans

Home ownership is the American dream; let My Credit Union help make it happen. Whether you are buying a new home, refinancing your current mortgage, or planning home improvements, My Credit Union is here to financially guide you.

  • Mortgages
  • Home Equity Line of Credit


Obtain information regarding mortgage loan options, view current interest rates, use mortgage related calculators, and even apply for a mortgage by visiting our online Mortgage Center.

mortgage center


SAFE Act Registration Disclosure for My Credit Union (PDF)

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house and cash

You work hard on your home – isn’t it time it paid you back? Use your home’s equity to pay for college educations, home improvements, debt consolidation, or for nearly anything else you can imagine.

My Credit Union's HELOC requires no minimum balance and charges no fees for taking advances. Instead of receiving one lump sum loan, with a HELOC, you only borrow what you need, when you need it. My Credit Union offers options for up to 80% loan-to-value. Remember, home loan interest may be tax deductible. Consult a tax advisor regarding your specific situation.


APR=Annual Percentage Rate. Must be eligible for My Credit Union membership and have $5 My Credit Union membership share account. HELOC rates are variable and subject to change. Variable rates will not exceed 15% APR. Rate presented on a 3-year term and assumes 80% loan-to-value (LTV). Interest rate may vary based on credit, LTV and amount financed. Standard appraisal fee if required to complete loan would be $100 for drive by appraisal or $455 for full appraisal. Minimum loan amount $10,000. Monthly payment is 1.0% of the outstanding balance each month or $50, whichever is greater. Property Insurance required; Flood Insurance is also required if the property is in a special flood hazard area. Equal Housing Lender.

( 1) Any minimum, fixed, transaction, activity or similar charge that could be imposed. In other words, any fee considered a finance charge.
(2) Any periodic rate that may be applied expressed as an annual percentage rate.
(3) If the plan provides for a variable periodic rate, that fact must be disclosed. In disclosing the annual percentage rate in an advertisement for a variable-rate plan, the credit union may use an insert showing the current rate; may give the rate as of a specified recent date; or may disclose an estimated rate. Your credit union could also disclose that the annual percentage rate may vary or a similar statement.
( 4) Any membership or participation fee that could be imposed.
(5) Any loan fee that is a percentage of the credit limit under the plan and an estimate of any other fees imposed for opening the plan, stated as a single dollar amount or a reasonable range.
( 6) The maximum annual percentage rate that may be imposed in a variable-rate plan.

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