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!
Mortgage site demos on laptop & iPhone

A Partnership with Power for you:

MTC Federal's Mortgage Borrowing Center powered by Member Advantage Mortgage, offers all of the tools and services you need to help decide the best Home Equity loan for you.

Together, we’ve established a site that includes:

  • Up-to-the-minute rates & calculators
  • Checklists for everything you’ll need throughout the process
  • Simple online applications
  • An encrypted login to safely manage your application and data
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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.

  • APR as low as 3.039%
  • Up to 30-year term loans
  • FHA, VA, USDA and conventional loans

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.

  • 5/1 ARM
  • 15-year
  • Low closing costs

Refinancing Your Home

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.

  • Lower monthly payments
  • Low closing costs
  • Build equity faster

Current Rates


Tips and Trends


Finance Summer Projects

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

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The Cost of Home Ownership

There is the cost of the home then there are “other” cost that make up how much you will need to borrow, which can determine...

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Member Service Is Our Very Best Product

Our Home Equity Specialists are standing by each business day to answer your questions, and explore the best financing options for you.

©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.