Minnesota Valley Credit Union


Home Equity Line of Credit rates as low as 1.99% APR*

Home Equity Line of Credit

Get all the benefits of a home equity loan with the convenience and flexibility of a credit line.  Draw from your home equity line of credit any time you need to pay for home improvements, debt consolidation or any large purchases and repay on flexible terms.  Line of credits carry a variable interest rate that is attached to the prime rate.

Now for a limited time get a HELOC with a low rate of 1.99% APR* for the first 12 months. After the first 12 months the rate is the still low, fully indexed rate of 3.99% APR*. 


Call a loan officer today for more information, or click below to Apply Today!




* APR= Annual Percentage Rate. 1.99% variable APR for terms up to 180 months. 1.99% APR is in effect for first 12 months on new Home Equity Line of Credits with LTV < 70%. LTV 71%-80% = 2.49%, LTV 81%-90% = 3.24%, LTV 91%-95% = 3.99%. After 12 months the normally indexed rate of 3.99% APR 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 normal credit qualifications. Some additional restrictions may apply. Speak with a loan officer for complete details. Offer valid until at least 6/30/2016.

First Mortgage Rate & Fee Guarantee

We will beat any lender's rate and fee combination and if we can't, we'll pay you $250. Our 1st mortgage guarantee saves you time, money and home loan


hassles. Yes you can rest easy and do all of your banking with MVFCU.  Save Money.  Borrow Local.





EZ Six Reward

Discount of 0.25% on your loan for having at least six of the following twelve products and/or services: active checking account; online bill payer; Visa credit card; Visa debit card; online banking; ART; MyCardInfo; direct deposit; savings of $2,000 or more; CD or other savings account of $2,000 or more; loan-consumer (other than the one applied for) of over $2,000 or more; loan-real estate (other than the one applied for); automatic payment (ACH) bill pay; L-4 (checking line of credit); and at least one of the following -Credit Life, Credit Disability; Mechanical Breakdown Insurance; GAP; or Mobile banking app on smart-phone. Discount does not apply to the following loans: mortgage, home equity, checking account line of credit, or Visa.



MVFCU New Member Referral Program

If you refer a friend, family member, or co-worker to MVFCU we'll give you *$25 and them *$25.