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Swift Code: MSUCUS44
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SmartLine Home Equity Loan
SmartLine Home Equity Loan

Offers and Promotions

Current Promotion
Home Loan Specials
dreamBIG & Plant Your Roots

Make Your Dream Home a Reality with these Home Loan Specials!
April 1, 2024 - August 31, 2024
Considering an OU Credit Union SmartLineSM Home Equity Loan or mortgage? We have offers tailored just for you!

• Let Your Home's Equity Work for You1
-Receive $100 when you open a SmartLine Home Equity Loan and make a draw of $10,000 or more! Finish your to-do list, consolidate
debt, pay for education expenses, or anything else you need with SmartLine.
• Save on the Home of Your Dreams2
-When it comes to buying a home, MSUFCU's low rates, flexible terms, and personalized service make the mortgage process easy. You'll save $500 on closing costs when you finance through OU Credit Union , helping you keep more money in your pocket as you embark on this exciting journey.

Apply for a mortgage or SmartLine Home Equity Loan today!
Offer valid 4/1/24-8/31/24.

1Receive $100 deposited into your Spartan Saver when you open a SmartLineSM Home Equity Loan and make draws totaling $10,000 or more. One SmartLine Home Equity Loan per household. Limit of one-time payout of $100 per household. Applications must be received by 8/31/24 and SmartLine must close by 10/31/24. A total of $10,000 must be drawn from the loan by 11/30/24. Member will receive $100 within 60 days of reaching a total of $10,000 in draws. Eligible properties include primary residences; owner-occupied second homes; condos; modular and manufactured homes; and one- to four-unit buildings with owner occupancy in one of the units. Properties must be located within Michigan. Consult with a reliable tax advisor about the deductibility of home equity loan interest. Closing cost of $199 plus property valuation fee. You may only lock a segment of your loan during your draw period. There is no fee for the first segment; however, you will be charged a $25 fee for each subsequent segment. A fee of $25 will apply to requests to unlock a segment. Balances on segments reduce the availability on the line of credit. Your locked segment fixed interest rate will be determined based on your creditworthiness at the time your fixed-rate segment is approved. Actual APR will be determined by member's credit score at the time of the loan request. Rate subject to change. This product has a variable rate that is based on the market rate (prime plus margin). Your margin will be between 0.00% APR and 7.00% APR. Your overall rate (prime plus margin) will never fall below 2.00% APR, nor will it exceed 18.00% APR. Cannot be combined with other offers. 2The $500 off closing costs offer valid for new mortgages of $150,000 or more. Closing cost discount will be provided as lender credit. Offer cannot be used toward down payment or with any other discounts and is not available on home equity loans or lines-of-credit. All usual and customary fees will be charged to the buyer. Loans are subject to credit approval. Applications must be received by 8/31/24 and mortgage must close by 10/31/24. Eligible properties include primary and secondary residences: single-family homes, condominiums and modular homes. Home loans available for homes in the following states: Michigan, Alabama, Arizona, Colorado, Florida, Georgia, Illinois, Indiana, Kentucky, Minnesota, Missouri, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Virginia, Washington, and Wisconsin. Currently construction home loans are only available in Michigan. Rates are based on creditworthiness, loan-to-value (LTV), property type, and other factors associated with your loan application, your rate may be higher. This offer may not be transferred, sold, or replicated in any way, and it may not be combined with any other mortgage offers.