KCCU HELOC special

Whether you're renovating, consolidating debt, or taking on a big life moment, your home's value can make it happen with a KCCU Home Equity Line-of-Credit!

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
5.50%_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
• Low to no closing costs² 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

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.

¹APR = Annual Percentage Rate. Rate effective as of December 15, 2025. The introductory APR applies to new HELOCs or new money to KCCU and does not apply to existing KCCU loans. The introductory APR is fixed for the first 12 months (interest only), beginning on the loan closing date. After the introductory period, the APR becomes variable and is based on the Wall Street Journal Prime Rate (currently 6.75%) plus a margin, and will vary as the Prime Rate changes. After the introductory period, the variable APR may range from 3.25% to 18.00%. The maximum APR that may be imposed is 18.00%. Actual approval, rate, and terms depend on credit history, CLTV, and collateral; not all applicants will qualify. Maximum combined loan-to-value is 80%. Introductory APRs are tiered as follows: 5.50% APR for credit scores of 730 or higher; 5.75% APR for credit scores between 690–729; and 7.25% APR for credit scores between 660–689. Other restrictions or fees may apply. Acceptable homeowners’ insurance required. Loan programs, rates, terms, and conditions are subject to change without notice. Membership required. Consult a tax advisor regarding deductibility of interest. Contact KCCU at 800.854.5421 for complete details. Equal Housing Opportunity. NMLS #585521. Federally Insured by NCUA.

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.