With a FlexChoice Home Equity Line of Credit you can get cash for home improvement, vacation, debt consolidation, tuition, books …YOU CHOOSE!

Get cash anytime, anywhere! Conveniently transfer funds directly to your
Members Choice checking or savings account OR ask about FlexChoice checks!

A FlexChoice loan from Members Choice gives you the flexibility of a line of credit and the certainty of a home equity loan. Unlike traditional line of credit products whose rates vary throughout the term, with the FlexChoice loan you can lock in segments of your balance at a low fixed rate with a fixed term. Any balance that you choose not to lock in will be subject to a variable rate. Once approved, you can draw on your credit limit for ten years (or until you reach your limit) and then you have 15 years to repay the remaining balance.


Fixed Rates
24 Months2.99%
36 Months3.19%
60 Months3.69%
84 Months4.29%
120 Months4.69%
Variable Rates
WSJ Prime Rate4.75%

Questions about a FlexChoice Home Equity Line of Credit? Contact Us

**APR = Annual Percentage Rate. Rates are subject to change without notice. LTV=Loan to Value. ARM=Adjustable Rate Mortgage. WSJ=Wall Street Journal. ^Your rate on FlexChoice loans may vary from the rates above and will be determined by your credit history, term and property value. Other fees may apply. Your rate will be determined by your credit history as well as other factors relating to the type of loan request. Members Choice Financial Credit Union membership is required.