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Home Loans
Home Loans

Enlist the help of Madison Credit Union for your next mortgage or home loan.
MCU is here to assist you every step of the way.

TOP RATES (view all rates)

First Mortgage Refinance1
Fixed rates as low as

2.50% APR*

Second Mortgage2
Fixed rates as low as

4.89% APR*

Home Equity Line of Credit3
Variable rates as low as

3.99% APR*

Mortgage Refinance

Madison Credit Union can refinance your first mortgage or finance your second mortgage with less hassle and lower closing costs than you’ll find elsewhere! We’ll never sell your loan, so you’ll always know who holds your loan.

Home Equity Line of Credit (HELOC)

Use the equity in your home to receive lower loan rates.  Consult a tax specialist as interest is often tax deductible. Loans can be used for education, home improvement, vehicles, or other purposes.

Click for a Complete List of Mortgage & Home Equity Loan Rates

Real Estate/Home Equity LoansTerms/LimitsRates as Low as
Home Equity**^Line of Credit3.99% 
Second Mortgage ***10 Year Fixed Rate4.89% 
Second Mortgage ***15 Year Fixed Rate5.99% 
First Mortgage Refinance ^^10 Year Fixed Rate2.50%
First Mortgage Refinance ^^15 Year Fixed Rate2.75%
First Mortgage Refinance ^^20 Year Fixed Rate2.99%
First Mortgage Refinance^^30 Year Fixed Rate3.24%

* APR is annual percentage rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.
1 Lowest possible rate for a first mortgage requires a loan to value ratio of 80% or less of assessed value. $5,000 new money required. Other rates and terms available.
2 Lowest possible rate for a second mortgage requires a loan to value ratio of 80% or less of assessed value. $5,000 new money required. Other rates and terms available.
3 The annual percentage rate (APR) is based on the value of an index. The index is .01 from the Prime Rate published in the Wall Street Journal with a floor of 3.99% for a home equity line of credit (HELOC) with a loan to value ratio of 60% or less of assessed value. The minimum HELOC advance is $500.

Mortgage Calculator