Get the Credit Your Home Deserves!

Simply apply for a MyUSA Home Equity Line of Credit* and once your application is approved, you’ll automatically be entered to win one of three $500 Home Improvement Gift Cards*. Interested in another way to enter? Send us a short video or pictures explaining the home improvement project you’d like to tackle to earn an additional entry. Contact information listed below.

Get Started in 60 Seconds

We’re helping our Members make their dream home improvement projects happen! With our Home Equity Line of Credit (HELOC) you’ll enjoy no closing costs and will have access to your money before you can even have the blueprints drawn up.

It’s that easy! Apply for your Home Equity Line of Credit or send your story to us though a  Facebook direct message. You can also email: Looking forward to hearing from you before June 30, 2024 to be eligible for this limited-time contest!

What is a HELOC?

Using the equity in your home, the open-ended structure of a line of credit option allows you to borrow only what you need, as you need it. As you pay back what you’ve borrowed, that money becomes available again for future use without having to reapply.

About Us

We’re on a path to helping Ohioans achieve more! MyUSA Credit Union is focused on being your Best Financial Friend (BFF) for life by building the strongest communities possible through financial education.

MyUSA Credit Union has been serving Ohioans for nearly a century. From our humble beginnings in the steel and communications industries to a forward-thinking and inclusive institution serving all of the Miami Valley, we are now stronger than ever. Poised to focus on YOUR financial success. We want to be another reason you love to call Southwest Ohio home.

*NO PURCHASE NECESSARY. VOID WHERE PROHIBITED. Certain restrictions apply. Prize is for 1 of 3 $500 gift cards. Must be legal U.S. resident 18 years or older to enter. Entry period begins 4/18/24 at 8:00 AM ET and ends 6/30/24 at 5:00 PM. By entering, you give MyUSA permission to use your name in prize announcements. Void where prohibited. Employees of MyUSA Credit Union, its affiliates, subsidiaries, advertising/promotional agencies, board members, officers and their immediate family (spouse, parents, siblings and children) and household members of each such persons are not eligible to win. Home Equity Lines of Credit (HELOC) – Annual Percentage Rate (APR) is variable and based on a range of 1.00% below Prime to 4.00% above the current Prime Rate as listed in the Wall Street Journal as of the last business day of each month. As the Prime Rate changes, the APR on your account will also change. The APR may vary depending upon each individual’s credit history, credit line, loan-to-value (LTV) and underwriting factors, currently ranging from 7.50% – 12.50%. The minimum APR that can be applied is 3.00%, and maximum APR that can be applied is 18.00%. An annual inactivity fee of $50 may apply. For a limited time, MyUSA will waive the closing costs associated with a HELOC. If borrower cancels loan application while in process or chooses to not close the loan upon approval (regardless of approved amount), the borrower/member will be responsible for reimbursement of the closing costs (including appraisal, flood cert, title search and recording fees). Offer valid only on primary, owner occupied residence, with a mortgage in 1st or 2nd position and loan-to-value of 80% or less. Property insurance is required, including flood insurance where applicable. Consult a tax advisor regarding the deductibility of interest. In order to open a HELOC, you must become a MyUSA CU member and satisfy MyUSA’s underwriting criteria; not all applicants will qualify. Offer is valid only on new HELOCs to MyUSA and cannot be used to refinance an existing MyUSA loan. Programs, rates, terms and conditions are subject to change or end without notice. Speak with a MyUSA CU Associate for details. MyUSA CU NMLS #442068