turn your dreams into action with a KCCU home equity loan

A KCCU Home Equity Line of Credit gives you the funds to tackle that dream home upgrade, plan an unforgettable vacation, consolidate debt, or invest in something special.

With a great rate, quick loan processing, and little to no closing costs², bring your dreams to life sooner than you think.

take the first step today!

HELOC
5.24%_APR¹
intro rate for 12 months

with KCCU's great low rates, convenient terms, and fast turnaround on home equity loans, now is the time to:

• Consolidate high-interest debt
• Make home improvements
• Plan your dream vacation
• Pay college tuition
• Cover major expenses
• and more!

benefits of a home equity loan with KCCU include:

• Quick access to your funds
• Great rates
• Generous credit limits
• Little to no closing costs²
• 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

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.

APR1=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.

² 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.