Acquire a low-cost loan that leverages the value of your home.

Flexibility defines our Home Equity loan. Borrow against the increased value of your property for numerous purposes, including home renovations, educational expenses, a vacation or debt consolidation. Access funds as often as you wish for any reason.

  • Revolving line of credit with limit ranging from $10,000 to $750,000
  • Credit limits up to 95% of your home's equity
  • No annual fee or prepayment penalty
  • Low variable interest rates
  • No closing costs
  • Easy access to your loan with checks, Visa credit card or online banking tools
  • 10-year draw period followed by 15-year repayment period
  • Loan payment protection coverage available to protect your family, assets and credit
  • Subject to credit approval; normal credit standards apply


You can apply in multiple different ways:

  1. Easily through online banking or the mobile app by selecting 'Apply for a Loan' from the menu, and choosing the Home Equity Loan option
  2. By clicking "Apply Today" above
  3. Over the phone by calling 734-662-8200 or 800-968-8628
  4. At any of our branch locations

For questions, please email [email protected]. EMUCU NMLS #712343.