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Effective 12/09/2025: We require that all applicants be members.
Below‑Average Rates. Above‑Average Value. Our HELOC rates start as low as 6.50% APR for qualified borrowers, nearly half a percentage point below the national average HELOC rate of 7.04%, and our fixed‑rate home equity loan starts as low as 6.49% APR, which is well below the national average fixed home equity loan rate of approximately 7.85%, according to Bankrate as of March 25, 20265.
Home equity is the value of your home minus your mortgage balance—and it can give you access to affordable borrowing. With a home equity loan or HELOC, you can fund home improvements, consolidate debt, or cover major expenses. Choose a lump‑sum loan or a flexible line of credit and let our lending team help you decide.
Home equity is the difference between your home’s current market value and the balance you still owe on your mortgage. In other words, it’s the portion of your home you truly own—and you may be able to borrow against that equity at a competitive rate.
At Market USA FCU, you can access your home equity in two common ways:
Members often use a home equity loan or HELOC for home improvements, debt consolidation, major purchases, education costs, or other planned expenses. Not sure which option fits your goals? Our lending team can help you compare a fixed-rate home equity loan versus a variable-rate HELOC and choose the right structure for your budget and timeline.
Rates effective as of 4/1/2026.
Rate Disclosures
1Closing costs will be waived if you (a) take an initial advance of $10,000, and (b) maintain our Security Interest in the Security Property for at least 36 months. Closing costs typically range from $0.00 to $1,500.
2Up to available credit limit, as determined by LTV and credit worthiness. Minimum Home Equity Line of Credit is $10,000.
3While this page is updated regularly, rates are subject to change. Minimum monthly payment equals $100. Prime Rate is obtained from the Wall Street Journal and was 6.75%, in effect since 12/11/2025. Variable APR will not fall below 3.25% or exceed 18% , regardless of Prime movements. Variable rate adjusts quarterly based on changes to the Prime Rate published in the Wall Street Journal. Adequate property and flood insurance is required.
4Maximum LTV is based on credit. Your approved LTV may be lower.
5Rates are variable and subject to change. Actual rate is based on creditworthiness, loan‑to‑value, and other underwriting criteria. Source: Bankrate, national average HELOC rate, March 25, 2026.
Market USA Federal Credit Union is a full-service financial institution with locations in Maryland and South Carolina as well as nationwide locations through the Shared Branch Network.
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While both home equity loans and HELOCs allow homeowners to borrow against their home equity, they work differently. A home equity loan provides a lump sum of money upfront with a fixed interest rate and monthly payments. A HELOC works more like a credit card with a revolving line of credit that you can borrow from as needed, with variable interest rates and flexible repayment terms.
The interest on home equity loans may be tax-deductible if the funds are used for home improvements. Please consult your tax advisor.
You can find your due date in Online Banking by selecting your loan, then Account Details, or in the Mobile App by selecting your loan, then Show Details. Your loan due date will also be included on your statement/eStatement.
You will need verification of income, most recent mortgage statement, and proof of homeowner's insurance.
Provided we receive the required documentation in a timely manner, it typically takes two weeks, but could take longer.
Easily transfer funds through Online Banking or our Mobile App.
Earn one of the highest rates nationwide with no monthly maintenance fees.
Earn a competitive yield while enjoying access to your funds.
Find the best option for you.