Think about all the things your home does for you. It's your sanctuary, your safe space; it's where your memories are made. With your home doing so many things for you, shouldn't it be exactly how you want it? With a Home Equity Line of Credit from Missouri Valley, it can be everything you want and more. From sprucing up your home office, outfitting a patio that will make the neighbors jealous, or getting a new HVAC system, the possibilities are endless. With rates as low as 1.99% APR* for the first 6 months and no out-of-pocket costs to borrowers, you can have your home, your way.
Your Home, Your Way
*APR=Annual Percentage Rate. Home Equity Line of Credit introductory rate of 1.99% APR is subject to change without notice. Introductory APR is available for all new lines of credit for a 6-month period of time from the date of the line of credit account opening. Existing Missouri Valley Federal Credit Union Home Equity Loans are not eligible. The introductory APR will automatically terminate at the end of the 6-month introductory period. No notice to borrower(s) required. Upon expiration of the introductory rate, the advertised regular rate will apply. Thereafter, the Variable Rate Home Equity Line of Credit rates are subject to change annually. 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) The minimum line amount if $5,000.00 up to a maximum of $150,000.00. Initial advance of $5,000.00 is required. HELOC will have a five-year draw period with an additional ten years to repay. The adjusted rate shall be based on published prime rate as of the 15th day of December before the change date (Beginning on January 5th) plus the original margin. Property insurance will be required, including flood insurance where necessary. 2 See tax advisor for tax deduction eligibility. 3 Fees: MOVFCU will pay all closing costs in conjunction with a Home Equity Line of Credit loan agreement. If your Line of Credit is paid in full and closed within 24 months, you may be required to reimburse all third-party fees paid on your behalf upon closing your account. Other restrictions or conditions may apply. This offer may be withdrawn at any time. Subject to membership eligibility. Ask a team member for details. Other restrictions or conditions may apply. This offer may be withdrawn at any time. Missouri Residence only. Subject to membership eligibility. Ask a team member for details. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Federally insured by NCUA. NMLS Notice: 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.