Home Equity Loans

One of the biggest benefits of home ownership is the ability to leverage the equity in your home to help pay for life's unexpected expenses and opportunities — no matter what they may be.

Fixed 10-Year Home Equity Loan:

  • The borrower receives one lump sum amount up front
  • Loans up to $100,000 with low monthly payments
  • 10-year repayment term with fixed, predictable payments over the course of the loan
  • Low fixed interest rate for the life of the loan (call 269.544.3105 for rates)
  • Quick approvals have your funds available in no time
  • Possible tax advantages (please consult your tax advisor)

Apply for a Home Equity Loan

Schedule an Appointment

Home Equity Line of Credit

  • Take advances as often as you need them
  • $10,000 to $150,000 credit lines with low monthly payments
  • ​​No restrictions on how you spend your funds
  • Quick approvals have your funds available in no time
  • Interest accrues only on funds as they are drawn
  • Variable rates as low as 5.50% APR*
  • Possible tax advantages (please consult your tax advisor)

Apply for a HELOC

Schedule an Appointment

*Annual Percentage Rate (APR). The APR is variable and is the lowest rate available. APR is based on Prime plus a margin determined by your credit score and the Loan-to-Value ratio of your home. The maximum APR is 15%. Subject to credit approval. An Automated Valuation Model (AVM) will be used to determine equity on HELOC requests amounts less than $75,000. Members have the option to purchase an appraisal at their own cost if they disagree with the AVM value. There are closing costs on the loan that are specific to each member's situation. Subject to change without notice.