Apply for a Home Equity Loan or HELOC | MTC Federal Credit Union

SAFE. RELIABLE. STRESS-FREE.

We can help you put the value of your home to work for you.

A Home Equity Loan or Line of Credit from MTC Federal makes it possible for you to take advantage of the value you’ve built up in your home. Put your home to work by borrowing against your home’s equity and enjoy access to the funds you need at low rates.

With a HELOC from MTC Federal, you can:

Make home improvements or repairs
Pay for educational expenses
Plan a vacation or special event
Make large purchases
... and more!

A mortgage specialist is ready to work with you:

At MTC Federal when you work with a financial institution that puts its members first, you can count on great rates, attention to detail, and a commitment to your well-being.

Get Started

Popular Mortgage Solutions

FIRST-TIME HOME BUYERS

We offer flexible terms for mortgages to help you purchase your first home. Our experts can help you choose the mortgage that will best meet your needs.

Learn More

SHORT-TERM MORTGAGES

Short-term mortgages give you the path to financial freedom sooner. With lower interest rates and flexible refinancing options, more of each mortgage payment goes directly to principal.

Check Rates

HOME REFINANCING

Refinancing your home capitalizes on your equity and can help you lower your monthly payments as well as reduce the amount of interest paid over the life of your mortgage loan.

Calculate Your Payment

Tips and Trends

Finance Summer Projects

Cool ways to make your home work for your summer projects to-do list.

Home for the Holidays

The Cost of Home Ownership

Mortgage calculators to help you know which home you can afford.

HOME EQUITY LOANS

Borrow up to 100% of the value in your home for large or expensive purchases with simple repayment periods and fixed interest rates.

Learn More

MORTGAGE SERVICING

Make your busy life easier. Simple, secure and convenient access for online mortgage payments, questions and tools for your servicing needs.

Log-In Now

PERSONAL LOANS

Use our personal loan options to help you pay for anything: travel, electronics, trailers, weddings, furniture, farm equipment, and more.

Apply Today

©2025 MTC Federal Credit Union. ©2021 MTC Federal Credit Union. NMLS# 411151. All rights reserved. Federally insured by the NCUA. Equal Housing Lender. Annual Percentage Rate (APR) may vary depending on each individual’s credit history and underwriting factors. All loans subject to credit union approval. All credit union loan programs, rates, terms and conditions are subject to change at any time and without notice. Offer may end at any time. Other restrictions may apply. Consult your tax advisor regarding interest deductibility.