home equity loan

We understand everyone has different loan needs. As a homeowner, you can use your home’s equity to finance virtually anything. At KCCU, we have experienced lending professionals to help guide you to the right solution for your needs.

what can be financed with a home equity loan?

Home improvements
Debt consolidation
Family vacation
College tuition
New appliances
Furniture
Wedding
And much more!

benefits of a home equity loan with KCCU

Quick access to your funds
Great rates
Generous credit limits
Zero closing costs and zero fees available on most home equity loans
Interest only payment options for lines-of-credit
Borrow up to 90% of your home’s equity (for qualifying loans)
Variable rate line-of-credit or fixed rate term loan

what information should I bring?

to my appointment

Legal description of property from deed or title insurance
Recent appraisal and/or property tax statement disclosing SEV
Current income verification (current W2s and/or last two years' income tax returns)

to my loan closing

Driver’s license
Copy of homeowner’s insurance policy adding KCCU as an additional loss payee

how to get a home equity loan

Apply Now

Or, simply stop in at any of our branches or call a Member Service Representative at 269.968.9251. Interested in a home mortgage, real estate loan, or mortgage refinancing see our mortgage lending page.

required insurance verification

As part of your KCCU home equity loan obligation, you are required to maintain physical damage insurance for the full term of your loan. To learn more or to submit your insurance information online, go to our insurance verification page.