Skip to content

Home Equity + HELOC

Your home’s equity can do big things

  • Find a loan option that suits your needs
  • Work with devoted Home Equity Specialists
  • Apply online for quick approval
  • Qualifying product to get $12/month plus up to 10% loan interest rebate with GetBigReward$

The right loan for your next project

You’ve put the time and money into your home; now it’s time to put it to work for you. Choose from a home equity loan or FlexChoice HELOC and finally tackle those home projects.

Options to suit your project

Choose from a fixed-rate home equity loan or variable-rate line of credit; either way, we make sure you save.

Dedicated lending team

Our team is with you all the way. Enjoy the commitment of a devoted Home Equity Specialist and our Processors.

Quick and easy application

We save you time with an easy application process and pre-approval options.

Improve your credit

A home equity loan or FlexChoice HELOC is a great way to up that credit score.

We’re Michigan’s largest local credit union

04.9Stars on Google

0K39.2KTotal Volunteer Hours

$0M1.5MScholarships Given

089Years of Service

Bank with a credit union that puts you first

Proving local banking can deliver all the modern tools you need while still offering personable, neighborly service.

Get paid early with Express Pay

Enjoy 24/7 account access and support

Upgrade your financial wellness with Choice Map

Stay local with 20+ member centers and 30K+ fee-free ATMs in Michigan

Hear from happy members

Let’s get to work

  • Apply easily online today
  • Work with our own Home Equity Specialist and our Processors.
  • Secure a competitive rate and start your project

Choose from a fixed-rate home equity loan or variable-rate line of credit; either way, we make sure you save.

FlexChoice home equity line of credit

Put the value of your home to use and get a line of credit to pull from as you go. With FlexChoice, you have the flexibility to segment off a portion of your balance into a fixed rate and term when you choose. 

Home equity loan

A home equity loan can be used for home repairs, remodeling, vacations, and auto purchases. You’ll have one fixed loan that provides a lump sum upfront and features a fixed term and fixed interest rate so your monthly payment stays the same.

Home Equity + HELOC

GetBigReward$ qualifier: $12/month and 10% loan interest rebate

Home Equity Loan RatesRate TypeAPR* As Low As
FlexChoice 5, 10, 15, 20-Year HELOCVariable8.00%
5-Year Home Equity Loan (Closed End)Fixed8.74%
10-Year Home Equity Loan (Closed End)Fixed8.74%
15-Year Home Equity Loan (Closed End)Fixed8.99%

Actual rate based on loan-to-value of collateral and credit worthiness.
Variable rate is subject to change monthly, based on the prime rate and margin. Maximum Annual Percentage Rate is 18.00%. Other terms and conditions may apply.
Effective December 1, 2023. *APR=Annual Percentage Rate. Intro rates are subject to change without notice. Rate offered will be based on applicant’s credit history and worthiness, term and amount financed and loan-to-value of collateral. Qualifying rate will be determined upon review of application.
¹ 60 monthly payments of $20.52 per $1,000 borrowed.
² 120 monthly payments of $12.40 per $1,000 borrowed.
³ 180 monthly payments of $10.00 per $1,000 borrowed.
Rates subject to change without notice and are for informational purposes only. For details or latest rate information, contact a credit union representative.