Put the value of your house to work for you with a No Fee Home Equity Loan from MLFCU.
Fixed Home Equity Loan Rates As Low As 4.99%** APR* For Up To 60 Months
Apply today and pay no fees**
Freshen up your home or your finances, with a No Fee Home Equity Loan from Mountain Laurel Federal Credit Union. Take advantage of our low rates and pay no closing costs when you borrow this spring.
Whether you’re dreaming of a kitchen upgrade, looking to knock out high-interest debt, or planning a big purchase, your home’s equity can help make it happen. Our home equity loans are designed for those one-time needs that require a little financial boost without the hassle.
Home Equity Loan Benefits:
• Low Fixed Rate
• Borrow Up To 80% of value
• Terms up to 15 years
• No closing costs or fees**
Home Equity Loan Rates
| APR* | Info and/or Terms Effective Date: 04/01/2026 Rates Subject to Change at Anytime |
|---|---|
| As low as 4.99%** | Term: Up to 60 Months Full Appraisal Required By Credit Union First Lien Rate |
| As low as 5.26%** | Term: 61 – 120 Months Full Appraisal Required By Credit Union First Lien Rate |
| As low as 5.75%** | Term: 121 – 180 Months Full Appraisal Required by the Credit Union First Lien Rate |
| Contact the Credit Union for Second Lien Rates |
*APR=Annual Percentage Rate. Rates shown are for qualified borrowers and are subject to change without notice. Additional rates and terms are available. Minimum new money is $15,000. Contact the credit union for complete details.
**You may qualify for a .50% discount from the Member Service Rewards program for having 4+ services with the CU and a .0125% discount for adding Debt Protection to the loan.
***No Closing Cost Promotion applies to first and second lien. Third party fees will be reimbursed for the cost of originating your loan excluding any property tax or transfer fees. Fee Reimbursement–The lender may have paid some third party fees associated with this loan. Please refer to the Closing Disclosure provided prior to loan closing for an itemization of third party fees paid by the Borrower (if applicable), and those paid by the Lender on the Borrower’s behalf. The Borrower agrees to reimburse the Lender the actual amount of bona fide third party fees paid on the Borrower’s behalf, as permitted by applicable law, if you, the member, cancel the loan application or decline to take any counteroffer given by the credit union. Note: The credit union can lend up to 80% of the appraised value of the home (depending credit score) minus any outstanding mortgages that are currently owed on the home.
To apply for a loan, you can call or visit one of our six locations to get a Home Equity Loan application.
MLFCU NMLS# 422133. Equal Housing Lender.