Don’t let cost stand between you and your dream home. Our home loans are designed to fit your needs and your budget.
Dreaming of a new kitchen, a cozy outdoor patio, or fresh updates to your living space? We make it easy and affordable to turn your house into the home you've always envisioned.
*Advertised rates current as of 5/21/25 The Annual Percentage Rates (APRs) listed above are minimum rates reflecting the highest credit rating, along with a .35% rate discount for Payroll Deduction and Automatic Loan Payments. The rate you pay will be based on individual credit history, account relationships, and the term of the loan. Maximum rate on any loan is 18.00%. Certain credit restrictions apply. Closing costs may apply to Home Improvement Loans $5,000 and below. Home Improvement Loans are subject to a Loan Processing fee of $95.00 for secured loans, $85.00 for unsecured loans. Fees may be assessed for late payment; for a complete list of possible fees, see the Fees page. Rates, terms, conditions and product components are subject to change without notice.
Your home is more than just a place to live—it’s a powerful financial asset! With a Home Equity Loan, you can unlock your home’s value for the things that matter most. Your home has been working for you—now let it work for your future! Apply for a Home Equity Loan today.
A fixed-rate Home Equity Loan allows you to take the difference between your home's original value and the value today as one lump sum. Plus your payments on the loan are fixed, so you can budget effectively. With a fixed-rate Home Equity Loan:
A Home Equity Line of Credit (HELOC) is a revolving line of credit with an adjustable interest rate and variable payments. IT gives you the power to borrow when you need it, at a lower rate than credit cards or personal loans!
Buying a home is one of life’s biggest milestones often filled with uncertainty, and we’re here to help every step of the way! We understand how exciting and nerve-wracking it can be. With our personalized service and competitive rates, we make homeownership easier and more affordable. Whether you're a first-time homebuyer or looking to refinance, we offer mortgage options to meet your needs.
Traditional Fixed Rate Mortgages
A traditional fixed-rate mortgage offers the comfort of knowing exactly what your payments will be, month after month, for the life of the loan. In a low-rate environment, homeowners tend to prefer a fixed-rate product that can protect them from possible interest-rate increases.
LTV of 80% or less - fixed rate
First Mortgage Annual Percentage Rates (APRs) listed above are minimum "as low as" rates. The rate you pay may be adjusted based on credit score, debit ratio, and loan to value. Rates are subject to change anytime without notice.
Certain restrictions apply.
Fees may be assessed for late payment; for a complete list of possible fees, see the Fees page. Consult with a tax advisor regarding the deductibility of interest. Rates, terms, conditions and product components are subject to daily change without notice. To request a Home Mortgage Disclosure Act (HMDA) Disclosure Statement, click this link, enter Miami University Community FCU in the "Institution Name" box, and follow the instructions on the screen; or contact MUCCU to request a copy.
