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Your home's equity could fund life's big moments.

A Magnifi Financial Home Equity Loan or Line of Credit (HELOC) offers the flexibility you need to finance large expenses such as a home improvement project, college tuition, a dream vacation, debt consolidation, and more.

With a HELOC, you can borrow what you need, when you need it, and do it again next time.

Apply Now
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Your Home, Your Benefits

  • Quick and Easy Access to Funds
    • Get the money you need when you need it.
  • Competitive Rates
    • Magnifi keeps rates competitive and in line with the market.
  • Fast Approvals
    • Locally issued approvals ensure a quick turnaround time.
  • Payments that Fit Your Budget
    • Make payments just on the funds you borrow to keep payments within your budget.

Magnifi Your Finances

  • Competitive Interest Rates
    • Your HELOC is competitively priced and adjusts with the market. Because your Home Equity is used as collateral, your rate is typically lower than a credit card or personal loan.
  • Withdraw Funds At Any Time
    • Withdraw funds from your line of credit at any time over 10 years. You can make additional payments to pay down the balance faster and reuse the line of credit over and over.
  • Access Your Funds 24/7
    • Access your HELOC funds 24/7 with Digital Banking online or the mobile app. Simply transfer funds to your checking account.
  • Increase Your Home Value
    • Use your HELOC to finance home improvements that can increase your home's value.
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Applying for a Home Equity Line of Credit is Easy

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Apply Online

Complete your application in minutes!

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HELOC Rates

Effective Date: 9/17/2026

Type APR
HELOC - 80% Loan-to-Value 6.75%
Type HELOC - 80% Loan-to-Value APR 6.75%

APR = Annual Percentage Rate. The typical cost of an appraisal or full title commitment is $50-$1,500 which would be the member's expense. Minimum Annual Percentage Rate = 6.75%. APR may vary based on credit score and loan-to-value ratio. APR may vary after account is opened but will never exceed 18% APR or the maximum allowed by law. Membership eligibility and $5 share deposit are required. Borrower must maintain adequate property insurance. On approved credit. Ask for details.

Frequently Asked Questions

What is a HELOC?

A HELOC is a line of credit that is backed by the equity you have already invested in your house.
For example, if you have paid down your mortgage loan and/or the value of your house has increased, you can tap into those funds.

How do I apply?

  1. You can submit an online application; if you’re a new member, you’ll also need to fund a $5 Membership Share account. Learn more
  2. Fill out the application, and we’ll work with you on how much you’re eligible for or want to borrow.
  3. We’ll quickly contact you to close your new HELOC.

How do I access my money?

After you close on your HELOC, you can quickly access your line of credit 24/7 on the Digital Services platform or the mobile app. Simply transfer the funds you need to your checking account so you can use your debit card or paper checks.

Get Started

Choose the next step that's right for you. We offer options to fit your every day.

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Membership means more here.

At Magnifi, you're not just a member-owner of an award-winning credit union; you're part of Magnifi and receive all the benefits and perks you need to succeed financially.