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.

turn your dreams into action

Take the first step today and lock into a limited time special rate!

HELOC
5.24%_APR¹
intro rate for 12 months

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
• Low to no closing costs¹ 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.

* APR=Annual Percentage Rate. The introductory APR applies to new loans and collateral only. Offer not available for refinancing existing KCCU loans. Rate is effective as of March 1, 2025. The 12-month into period begins on the loan closing date and includes interest only payments. The plan will convert to a variable rate after the first 12 months. The APR is based on the Wall Street Journal Prime Rate (currently 7.50%) plus margin and may adjust monthly. After the introductory period, the APR can range from 3.25% to 18.00%. The maximum APR that can apply is 18.00%. The maximum loan to value (LTV) is 80%, and the minimum credit score is 730 to qualify for the introductory rate. Minimum loan of $5,000.00. Loan is subject to approval. Rate may vary based on credit history, term, and collateral. Loan programs, rates, terms and conditions are subject to change at any time without notice. Other restrictions may apply.

¹ Low to no closing costs available on most home equity loans except where an appraisal is needed ($450.00). Contact KCCU for complete details 800.854.5421. Equal Housing Opportunity. NMLS# 585521. Federally insured by NCUA.