You've got dreams...let's make them happen! 

Update your home, pay off debt, plan a wedding, or take a dream vacation, a Master Line gives you the flexibility to make it happen.

• Variable with fixed rate options

• Lock in up to three loans under one Master Line 

• Access within Online and Mobile Banking 

• Check writing flexibility⁽¹⁾

• Limits up to $500,000⁽²⁾
   

How it works

Already have a Home Equity Master Line?

To easily request a lock on your Home Equity Master Line, send a secure email with your lock information  below to our Loan Department.   

Interest Rates

Frequently Asked Questions

^{(1)Minimum loan advance is $500.00}

^{(2)Based on collateral valuation of the property and credit union guidelines}

^{(3)Annual Percentage Rate (APR) is based on the following formula:  the highest commercial prime-lending rate of interest as  published in the Wall Street Journal, Western Edition, on the most recent publication date prior to the first day of the  quarter, or index plus a margin.  The minimum interest rate is 3.25%.  The index, margin, floor rate of interest and APR will be disclosed to you when the loan is approved.  There are no annual limits to rate changes.  However, it will not increase above 18% APR.}

^{(4)Fixed Payment Example:  Pay $10.14 per month per $1,000 borrowed at 9.00% APR for  180 months.}   

^{Note:  Fees to open a Home Equity Master Line of Credit range from $241.00 to $1,118.00 based upon the collateral valuation used and amount of initial advance.  Property insurance is required;  flood insurance may be required. Minimum payment amount of $50 is required.  A $25.00 annual fee will be assessed. Actual interest rate will be provided upon approval of a completed loan application. Other restrictions may apply.} 

Mocse Credit Union NMLS #757328