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Kellogg Community Credit Union
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low rates on KCCU home equity loans

No matter what you’re dreaming of, you can use your home’s equity to make it a reality. With rates being at historic lows, now is the time to take advantage of KCCU’s low rates and fast turnaround on home equity loans and make your dreams come true.

what can be financed with a home equity loan?

  • Home improvements
  • Debt consolidation
  • Family vacation
  • College tuition
  • New appliances
  • Furniture
  • Wedding
  • And much more!

benefits of a home equity loan with KCCU

  • HELOC rate as low as 1.74%  APR for 12 months*
  • Generous credit limits
  • Easy access to your funds within online banking
  • Zero closing costs and zero fees available on most home equity loans
  • Interest only payment options for lines-of-credit
  • Borrow up to 90% of your home’s equity (for qualifying loans)
  • Variable rate line-of-credit or fixed rate term loan


See all our great loan rates!

how to get a home equity loan

apply now

Or, simply stop in at any of our branches or call a Member Service Representative at 269.968.9251. Interested in a home mortgage, real estate loan, or mortgage refinancing see our mortgage lending page.

*APR=Annual Percentage Rate. The APR is effective March 1, 2021 and includes interest only and no other costs. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval, not all applicants will qualify. The 12-month introductory period begins on the loan closing date and the APR will be fixed for 12 months. The maximum loan to value (LTV) is 80% for the introductory rate. After the introductory period, the loan reverts to the variable APR as stated in the HELOC agreement. The APR is the sum of the Wall Street Journal Prime Rate plus margin and is subject to change as the prime rate changes. The maximum APR that can be imposed is 18%. No closing costs except appraisal if needed, estimated appraisal cost is $425. Loan rates apply to new loans or loans from other financial institutions and are not intended for refinancing of existing KCCU loans. Contact KCCU for complete details 800.854.5421.

Equal Housing Opportunity.