Turn Equity into Opportunity with a Home Equity Line of Credit

A new year brings new goals, and your home's equity can help bring them to life. Whether you're planning renovations, consolidating debt, or preparing for big expenses, a Home Equity Line of Credit (HELOC) from Mid Carolina Credit Union gives you flexible access to funds backed by the value you've built in your home.

For a Limited Time:

  • 4.50% APR Introductory Rate for the first 12 months

  • After the introductory period, the rate adjusts quarterly based on the Wall Street Journal Prime Rate (currently 7.00% APR)

Additional Benefits:

  • No lender closing costs

  • Appraisal and attorney fees may apply but can be advanced from the line of credit

  • Access funds as you need them

  • Only pay interest on what you use

  • Local service and fast, personal decisions

You’ve worked hard to build equity in your home. Now let it work for you, whether that means upgrading your kitchen, paying down higher-interest debt, or having a safety net for the unexpected.

APPLY NOW

If you have questions or need assistance, contact us at 803-432-8521 or visit your local MCCU branch. We are happy to help you find the payment option that works best for you.

APR = Annual Percentage Rate. The introductory APR of 4.50% is valid for the first 12 months from the date of loan opening. After the introductory period, the APR is variable and based on the Wall Street Journal Prime Rate, currently 7.00% as of [insert date]. Rates are subject to change. Appraisal and attorney fees may apply but may be advanced from the line. No lender closing costs apply. All loans are subject to credit approval. Additional restrictions and terms may apply. Contact Mid Carolina Credit Union for complete details.

Lynn Blizzard