LIMITED-TIME OFFER
Put Your Home’s
Equity to Work
Your home equity can help you do more, from summer projects and repairs to travel, major purchases, or larger planned expenses.
For a limited time, MMFCU is offering two home equity options designed to help you choose the borrowing path that fits your needs:
Summer Special
Home Equity Line of Credit (HELOC)
Flexible access to funds with an introductory 1.99% APR* for the first 3 months
Summer Special
Fixed-Rate Home Equity
Loan
Predictable payments with 0.50% off the published fixed home equity loan rate** for the full loan term
Both offers are available for applications received during the promotional window of June 1 through July 31, 2026, with a digital gift card incentive available for qualifying borrowers.
Choose the Home Equity Option
That Fits Your Plans
Flexible access or predictable payments, MMFCU can help you compare your options
Home equity can be a smart way to fund larger expenses without relying on higher-rate credit cards or unsecured borrowing. The right option depends on how you plan to use the funds.
- If you want access to funds over time for changing project costs or future needs, a Home Equity Line of Credit may be the better fit.
- If you know how much you need to borrow and want a stable rate with predictable monthly payments, a Fixed-Rate Home Equity Loan may be the right choice.
Either way, MMFCU gives you competitive options, local guidance, and personal support from a team built to serve the MassMutual community.
HELOC Summer Special
Flexible access to funds for projects, repairs, purchases, and expenses that may change over time.
With a Home Equity Line of Credit, you can access funds as you need them, making it a flexible option for ongoing home improvements, unexpected repairs, or larger expenses that may not happen all at once.
Limited-Time Offer
Introductory 1.99% APR* for the first 3 months.
A HELOC may be a good fit if you:
- Need flexible access to funds over time
- Are planning home improvements or repairs
- Want to cover changing project costs
- Prefer to borrow only what you need, when you need it
- Want an alternative to higher-rate credit cards or unsecured loans
HELOC Summer Special
Flexible access to funds for projects, repairs, purchases, and expenses that may change over time.
With a Home Equity Line of Credit, you can access funds as you need them, making it a flexible option for ongoing home improvements, unexpected repairs, or larger expenses that may not happen all at once.
Limited-Time Offer
Introductory 1.99% APR* for the first 3 months.
A HELOC may be a good fit if you:
- Need flexible access to funds over time
- Are planning home improvements or repairs
- Want to cover changing project costs
- Prefer to borrow only what you need, when you need it
- Want an alternative to higher-rate credit cards or unsecured loans
Fixed-Rate Home Equity Loan Summer Special
Predictable payments for planned expenses with a stable rate for the full loan term.
With a Fixed-Rate Home Equity Loan, you borrow a set amount upfront and repay it with predictable monthly payments. This can be a strong option when you know how much you need and want the stability of a fixed rate.
Limited-Time Offer
0.50% off the published fixed home equity loan rate for the full loan term.**
A Fixed-Rate Home Equity Loan may be a good fit if you:
- Know how much you need to borrow
- Want predictable monthly payments
- Prefer a stable rate for the life of the loan
- Are planning a major purchase, renovation, or long-term project
- Want a structured borrowing option with clear repayment terms
Fixed-Rate Home Equity Loan Summer Special
Predictable payments for planned expenses with a stable rate for the full loan term.
With a Fixed-Rate Home Equity Loan, you borrow a set amount upfront and repay it with predictable monthly payments. This can be a strong option when you know how much you need and want the stability of a fixed rate.
Limited-Time Offer
0.50% off the published fixed home equity loan rate for the full loan term.**
A Fixed-Rate Home Equity Loan may be a good fit if you:
- Know how much you need to borrow
- Want predictable monthly payments
- Prefer a stable rate for the life of the loan
- Are planning a major purchase, renovation, or long-term project
- Want a structured borrowing option with clear repayment terms
Gift Card Details
When funds are distributed into an MMFCU share draft account within 30 days of opening, you may also qualify for a digital gift card:
$10,000–$49,999 distribution: $50 gift card
$50,000–$99,999 distribution: $100 gift card
$100,000+ distribution: $250 gift card
Gift Card Details
When funds are distributed into an MMFCU share draft account within 30 days of opening, you may also qualify for a digital gift card:
$10,000–$49,999 distribution:
$50 gift card
$50,000–$99,999 distribution:
$100 gift card
$100,000+ distribution:
$250 gift card
Why Choose MMFCU for Home Equity?
MMFCU is built to serve the MassMutual community with banking access, lending options, and personal support not available everywhere.
That means you are not treated like a number. You get guidance from a local team focused on relationships, clear communication, and helping you make confident financial decisions.
Whether you choose a HELOC or a fixed-rate home equity loan, MMFCU can help you understand your options and put your home equity to work in a way that fits your needs.
Local support. Competitive options. Built for the MassMutual community.
Home equity
offers fit for you.
These home equity offers may be a good fit for:
- Homeowners planning home improvements or repairs
- Members preparing for larger summer expenses
- Borrowers looking for an alternative to higher-rate credit cards or unsecured loans
- Households planning travel, major purchases, or long-term projects
- Members who want personal guidance from a trusted credit union team
- Borrowers who want to deepen their MMFCU relationship through checking and other account benefits
Home equity
offers fit for you.
These home equity offers may be a good fit for:
- Homeowners planning home improvements or repairs
- Members preparing for larger summer expenses
- Borrowers looking for an alternative to higher-rate credit cards or unsecured loans
- Households planning travel, major purchases, or long-term projects
- Members who want personal guidance from a trusted credit union team
- Borrowers who want to deepen their MMFCU relationship through checking and other account benefits
FAQs
Am I eligible for the HELOC Summer Special?
This limited-time introductory rate is available to members opening a new MMFCU Home Equity Line of Credit. Existing MMFCU HELOCs and repeat HELOC loans do not qualify for the promotional rate.
What is the difference between a HELOC and a fixed-rate home equity loan?
A HELOC is a revolving line of credit that gives you flexible access to funds as needed, up to your approved credit limit. A fixed-rate home equity loan provides a set loan amount with predictable monthly payments and a stable rate for the full loan term.
What can I use home equity funds for?
Home equity funds can be used for home improvements, repairs, travel, major purchases, unexpected expenses, or other larger financial needs.
How does the HELOC introductory rate work?
The introductory 1.99% APR* is available for the first 3 months from the date of HELOC distribution. After the introductory period, the APR* adjusts to the standard variable rate as disclosed in your account agreement.
How does the fixed-rate home equity discount work?
The 0.50% rate discount** applies to the standard published fixed home equity loan rate at the time of application and applies for the full term of the loan.
When are the offers available?
Both offers are available for applications received during the promotional period of June 1 through July 31, 2026. The fixed-rate home equity loan must also close during that period to qualify for the discount.
How do I qualify for the digital gift card?
For the HELOC offer, funds must be distributed into an MMFCU share draft account within 30 days of HELOC opening. Gift card value is based on the initial distribution amount.
For the fixed-rate home equity loan offer, gift card value is based on the original loan amount.
Can MMFCU help me decide which option is right?
Yes. MMFCU’s team can help you compare both options and choose the home equity solution that best fits your needs, budget, and goals.
*APR = Annual Percentage Rate. The introductory 1.99% APR is available for the first 3 months from the date of HELOC distribution. After the introductory period, the APR will adjust to the standard variable rate as disclosed in your account agreement. Offer valid for applications received and funded between June 1 and July 31, 2026. To qualify for the digital gift card, funds must be distributed into an MMFCU share draft account within 30 days of HELOC opening. Gift card amount is based on the initial distribution amount. Limit one gift card per HELOC. Offer may be withdrawn at any time. No other discounts apply. Credit and income requirements apply. Loan approval is based on individual creditworthiness, including credit history, income verification, and ability to repay. Terms and conditions apply. All loans subject to approval. Consult your tax advisor regarding the deductibility of interest. For Kasasa Cash Back, see the Kasasa Truth in Savings disclosure for full details on qualifications, limits, and rewards. Insured by NCUA.
**The 0.50% rate discount applies to the standard published fixed home equity loan rate at the time of application and is available for applications received and loans closed between June 1 and July 31, 2026. The discounted rate applies for the full term of the loan. The digital gift card value is based on the original loan amount. Limit one gift card per loan. Offer may be withdrawn at any time and may not be combined with other rate discounts or promotions. Credit and income requirements apply. Loan approval is based on individual creditworthiness, including credit history, income verification, and ability to repay. Terms and conditions apply. Origination fees may apply. All loans subject to approval. Consult your tax advisor regarding the deductibility of interest. For Kasasa Cash Back, see the Truth in Savings disclosure for qualification requirements, limits, and rewards. Insured by NCUA.
*APR = Annual Percentage Rate. The maximum borrowed amount is $7,500. Loan application must be received during the promotional period (May 18, 2026 - May 31, 2026) and funded within the stated timeframe. Offer may be withdrawn at any time. No other discounts apply. Credit and income requirements apply. Loan approval is based on individual creditworthiness, including credit history, income verification, and ability to repay. No application fee applies for this promotion. Terms and conditions apply.