Missouri Valley offers competitively low rates on home equity loans, so that you can fund virtually any want or need.

Consolidate debt, prepare for the future, or plan your next getaway. You'll receive personalized service from our loan experts who truly care about your unique situation and needs. Make the most of your hard-earned equity, and apply today.

Details
  • Competitive rates for several short-term or one-time needs:
    • Education expenses
    • Major life events
    • Home remodel projects
    • Debt consolidation
    • And much more!
  • The existing equity in your home is used as collateral backing
  • Accommodating repayment terms that work uniquely for you
  • The interest paid might be tax deductible1
  • Local decision-making and processing in St. Charles County
  • Attentive, friendly service from start to finish
Home Equity Line of Credit (HELOC)

Have ongoing needs or projects? A HELOC2 may be a better option for you than a fixed loan. Apply just once and then reuse funds whenever you need them!

  • Competitive rates for several ongoing or seasonal needs:
    • Education expenses
    • Major life events
    • Major home improvements
    • Debt consolidation
    • Emergency reserve
    • And much more!
  • The existing equity in your home is used as collateral backing
  • Accommodating repayment terms that work uniquely for you
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter
  • Revolving credit – as principal is repaid, more becomes available for use
  • Funds easily available via transfers to a specified MOVFCU share account or checks upon request
  • The interest paid might be tax deductible1
  • Set up automatic payments to be deducted from your account monthly
  • Local decision-making and processing
  • Attentive, friendly service from start to finish

1 See tax advisor for tax deduction eligibility.  

2 APR–Annual Percentage Rate. Variable Rate Home Equity Line of Credit rates are subject to change. Rates, terms and conditions may vary based on creditworthiness, qualifications or collateral conditions. Rate will not be lower than 4.00% APR and will not exceed 18.00% APR.  All loans subject to approval. Properties securing home equity lines of credit must be secured by your primary single family residence located within St. Louis City and the Missouri Counties of St. Louis, St. Charles, Jefferson, Franklin, Warren and Lincoln. Up to 90% maximum combined loan-to-value (including prior mortgages or liens) and a $417,000 maximum for all combined mortgage balances on the property, including the new line. Property insurance will be required and flood insurance where necessary.

3 APR–Annual Percentage Rate.  Rates, terms and conditions may vary based on creditworthiness, qualifications or collateral conditions. Home equity loans must be secured by your primary single family residence with up to 90% maximum combined loan-to-value (including prior mortgages or liens) and a $417,000 maximum for all combined mortgage balances on the property, including the new loan amount. Properties securing home equity lines of credit/loans must be located within St. Louis City and the Missouri Counties of St. Louis, St. Charles, Jefferson, Franklin, Warren and Lincoln. Property insurance will be required and flood insurance where necessary.

Missouri Valley Federal Credit Union is registered with the National Mortgage Licensing System (NMLS #519898). Visit the NMLS Consumer Access site to confirm that the financial-services company or professional with whom they wish to conduct business is authorized to conduct business in their state.

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