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Kellogg Community Credit Union
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no dream is too big with a KCCU home equity line-of-credit

With KCCU's great low rates and fast turnaround on a home equity line-of-credit (HELOC), now is the time to consolidate high-interest debt, make home improvements, plan your dream vacation, cover major expenses, and more!

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 KCCU home equity line-of-credit

  • HELOC Special 5.24% APR* 12-month introductory rate
  • Convenient terms
  • Easy access to your funds within online banking
  • Low to no closing cost** and zero fees available on most home equity loans
  • Interest only payment options for lines-of-credit
  • 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.


Available on most home equity loans. 
*APR=Annual Percentage Rate. The APR is effective April 1, 2024, and includes interest only and no other costs. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval, not all applicants will qualify. The 12-month introductory period begins on the loan closing date and the APR will be fixed for 12 months. The maximum loan to value (LTV) is 80% for the introductory rate. After the introductory period, the loan reverts to the variable APR as stated in the HELOC agreement. The APR is the sum of the Wall Street Journal Prime Rate plus margin and is subject to change as the prime rate changes. The maximum APR that can be imposed is 18%. Loan rates apply to new loans, new money to KCCU, or loans from other financial institutions, and are not intended for refinancing of existing KCCU loans.
**Available on most home equity loans. Low to no closing cost except if appraisal is needed, estimated appraisal cost is $450.

Equal Housing Opportunity. NMLS# 585521. Federally insured by the NCUA.