Home Equity Loans
Turn Equity into Opportunity
Unlock the Power of Your Home's Equity!
We’re committed to helping you leverage the value of your home to meet your financial goals. With our Home Equity Loans, you can tap into the equity of your home for a variety of purposes while enjoying the personalized service and competitive rates that set us apart.
Why Choose a Home Equity Loan with MC Federal?
Revitalize Your Home
Dreaming of home improvements? Whether it’s updating your kitchen, adding more space, or modernizing your home, a Home Equity Loan can fund renovations that not only enhance your living space but also increase your property’s value. From major remodels to essential updates, investing in your home can yield significant benefits.
Consolidate Debt
Struggling with high-interest debt? Use a Home Equity Loan to consolidate credit card and other high-rate loans into one manageable monthly payment. Enjoy potentially lower interest rates and simplify your finances while saving on interest costs.
Fund Major Expenses
Have a big purchase or project in mind? Whether it’s a family vacation, a major medical expense, or a significant life event, a Home Equity Loan provides the funds you need with the flexibility to use them as you see fit.
Emergency Funds
Unexpected expenses can arise at any time. A Home Equity Loan can offer a financial safety net, giving you access to funds when you need them most, and providing peace of mind in uncertain situations.
Invest in Your Child’s Future
Education is a priceless investment. With the rising costs of college, a Home Equity Loan can help bridge the gap where other financial aid may fall short. An educated child is more likely to achieve financial independence sooner, and this investment can set them on a path to success.
Apply Today!
Ready to take control of your finances with a Home Equity Loan? Applying is easy and straightforward.
For more information, visit our branches or call us at 800-834-0082 to speak with a knowledgeable member of our team.

Benefits of MC Federal Home Equity Loans
- Flexible Terms: Customize your loan terms to fit your unique financial situation and goals.
- Local Expertise: Receive personalized service from our knowledgeable team at any of our convenient branch locations.
- Competitive Rates: Take advantage of our attractive interest rates and save more over the life of your loan.
Home Equity Loan-Principal Residence | APR* AS LOW AS: |
---|---|
Fixed Term | 80% Loan to Value |
36 months | 4.00% |
60 months | 5.25% |
84 months | 5.50% |
120 months | 5.75% |
180 months | 6.25% |
240 months | 7.00% |
*APR = Annual Percentage Rate. LTV=Loan to Value. The APR is current as of 08/28/2025. Your rate on home equity loan may vary from the rates above and will be determined by your credit history, term, and property value. Credit is subject to approval, not all applicants will qualify. A sample Home Equity Loan monthly payment based on $50,000 at 5.75% APR for 120 months is $548.85. A minimum loan amount of $10,000.00 is required. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. Other fees may apply. Flood and /or property hazard insurance may be required. MC Federal Credit Union membership is required. For current rates, fees, and other cost information, please contact MC Federal Credit Union at (800) 834-0082. |
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