Turn your home's equity into the funds you need to make this summer one to remember. Whether you're planning home improvements, consolidating debt, covering unexpected expenses, or financing a major purchase, a Home Equity Line of Credit (HELOC) from Minnesota Valley Federal Credit Union gives you flexible access to funds when you need them.

Limited-Time HELOC Special
3.99% APR Introductory Rate for 12 Months*
Take advantage of our special introductory rate and put your home's equity to work for you.

What Can You Do With a HELOC?
A HELOC gives you the flexibility to borrow what you need, when you need it. Popular uses include:

• Home renovations and repairs
• New decks, patios, and outdoor living spaces
• Debt consolidation
• Vehicle, boat, or camper purchases
• Education expenses
• Emergency expenses
• Large purchases and life events

Why Choose a HELOC?
Unlike a traditional loan, a Home Equity Line of Credit allows you to access funds as needed during the draw period, making it a flexible financing solution for ongoing projects and expenses.

Benefits Include:
Competitive rates

Flexible borrowing options

Local decisions and personalized service

Convenient access to funds when you need them

No need to reapply each time you borrow

Make Your Summer Dreams Come True
Whether you're updating your home, tackling a long-awaited project, or simply creating more financial flexibility, a HELOC can help you get there.

Apply Today
Ready to get started? Contact Minnesota Valley Federal Credit Union or apply online today to learn how much you may qualify for.

*Limited-time offer *APR= Annual Percentage Rate. 3.99% variable APR for terms up to 180 months. 3.99% APR is in effect for first 12 months on new Home Equity Line of Credits with LTV < 70%=6.50%. LTV 71%-80% = 7.00%, LTV 81%-90% = 7.75%. After 12 months the normal indexed rate will apply. The rate is a variable rate and the maximum rate that may apply is 15.00% APR. Offer only applicable for new and refinanced Home Equity Lines of Credit. In most cases, MVFCU will pay closing costs up to $450 if standard conditions are met. Certain restrictions may apply. Appraisal fee not included in closing cost estimates. Early termination occurs when loan is satisfied. If early termination occurs, any closing costs paid by MVFCU must be repaid by borrower. Rate, terms and conditions are subject to change without notice. Loans are subject to creditworthiness. This offer is subject to change.