Now more than ever we need a safety net—the peace of mind that comes with knowing the funds are available should unanticipated expenses arise. The equity in your home can give you that peace of mind so you’re ready for whatever life throws your way.

For establishing a rainy-day fund, we recommend our Home Equity Line of Credit (HELOC). You can spend the funds on whatever you need, whenever you need it. You only pay for what you use and can make principal payments any time. Our HELOC rates start at just 5.99%APR* and there are no closing costs.**

Don’t get caught off guard should an emergency arise. Establish your safety net today.

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*Annual Percentage Rate (APR) accurate as of 1.1.23, subject to change without notice and based on credit history. APR valid for first 12 months, then rate changes to Prime+ 0% variable monthly for remaining life of the line (Prime Rate as published in The Wall Street Journal preceding the start of each monthly billing period; current prime rate is 7.50%). Minimum 3.00%APR; maximum 18.00%APR. APR based on a loan-to-value (LTV) of 80% with 360 monthly payments of $8.06 per thousand during repayment period. Homeowner's insurance required. Monthly payment does not include insurance; your payment may be greater. Appraisal fees refunded at closing if applicable. An early closeout fee equal to the amount of Bona Fide Third Party Costs paid by Members First Credit Union on your behalf will be charged to you in the event you make a full prepayment and close the loan prior to 36 months from the date of closing.

**No Closing Costs incurred when the following requirements are met: 1) Property is a 1-4 family residential owner-occupied property; 2) Home is not listed for sale.