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Put your home's equity to work.

Pay $0 in closing cost¹ plus, rates as low as Prime minus 1%¹

Your home may have more financial potential than you realize. A MyUSA Credit Union Home Equity Line of Credit (HELOC) can give you flexible access to your equity for the things that matter most.

Simple application process

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Local branches

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Local decisions

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Affordable, Trusted, Local

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Simple application process ∘ Local branches ∘ Local decisions ∘ Affordable, Trusted, Local ∘

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Skip the closing costs with a MyUSA HELOC

With $0 closing costs, no early payment penalty, and interest that may be tax deductible², a MyUSA HELOC is a smart, flexible way to fund what matters most.

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WHY CHOOSE MYUSA

We’re here to put your home to work.

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Experienced Local Lenders

Work with loan officers who know Southwest Ohio. Apply online, by phone, or in person at any of our 8 local branches.

Guidance Every Step of the Way

From application to closing, a dedicated MyUSA lending team is with you throughout the process.

Simple Online Application

Getting started on your HELOC is easier than you think. Apply online and our team guides you from there.

Member-Owned

As a credit union, we answer to our Members, not shareholders. That means decisions are made with your financial well-being in mind.

Trusted by Members

  • Very satisfied with the speed of the loan process. Dina was very nice to work with. I'm happy with the results and terms of my loan.

    —Patricia C.

  • MyUSA is the best banking deal around! Friendly, caring people. MyUSA offers so many financial solutions that big banks often stumble on.

    —Jon O.

  • MyUSA has been a tremendous help and they have wonderful customer service! Everyone there is super friendly and are always very fast with any service you need helped with.

    —Luke S.

Frequently Asked Questions

  • Apply online, over the phone with our team, or in person at any of our 8 local branches.

  • A HELOC lets you borrow only as much as you need for an expense during a “draw period”, while a home equity loan provides you with one lump sum at closing. Both are based on the equity you’ve put into your home.

    If you’re not sure which is best for you, give us a call at 800.633.8905 – we’d be happy to help!

  • You'll become a Member as part of the process – just $5 to open your Main Share account. Open to anyone who lives, works, worships, or attends school in Butler, Clark, Greene, Miami, Montgomery, or Warren County, Ohio. Apply for membership.

Find Us Near You

  • Exterior view of a MyUSA Credit Union building with parking spaces marked for handicapped, and a few small bushes in front.

    Plaza

    BRANCH & ATM

    3600 Towne Blvd
    Middletown OH, 45005

  • Empty customer service counter with multiple service stations, MyUSA Credit Union logo on a dark blue wall, interior ceiling with exposed ducts, modern and minimalist design.

    Crawford

    BRANCH & ATM

    1201 Crawford St
    Middletown, OH 45044

  • Drive-thru bank with a brick wall and ATM on the left, a canopied area overhead with signs for ATM, open status, and pet, and a parking lot with cars in the background near an AutoZone store.

    Trenton

    BRANCH & ATM

    933 West State St
    Trenton, OH 45067

  • Sign for MyUSA Credit Union with a brick base, set in a grassy area near a road, under a bright blue sky with some clouds and overhead power lines.

    Vandalia

    BRANCH & ATM

    536 W National Rd
    Vandalia, OH 45377

  • Exterior of a building with a red awning, a sign that reads "My USA," and landscaped bushes and trees in front.

    Kettering

    BRANCH & ATM

    21 West Dorothy Ln
    Kettering, OH 45429

  • Inside a customer service counter at a financial institution, with signs for car loans, credit cards, and home loans, and a sign reading 'My USA' on the front.

    Kettering in Reynolds & Reynolds

    BRANCH

    1 Reynolds Way
    Kettering, OH 45430

  • Exterior of a MyUSA Credit Union branch with large front windows and a blue facade.

    Moraine

    BRANCH & ATM

    3115 S Dixie Dr
    Dayton, OH 45439

  • Exterior of a building with a sign that reads "My USA" and a logo with a cloud, a red underline, and a blue USA flag. There is a door with glass and two black wall-mounted lights.

    Springfield

    BRANCH & ATM

    1620 Upper Valley Pike
    Springfield, OH 45504

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Time moves fast.
Don’t wait.

This is the best time to take your next step as a homeowner! Apply today to take advantage of our limited-time offers.

Apply for a HELOC

Disclosures

1 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 Prime 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. 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 Credit Union will waive the closing cost 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 cost (including appraisal, flood cert, title search, and recording fees). Offer valid only on Primary, Owner-Occupied residence. Additional fees may be required for loans over 80% and are the financial responsibility of the borrower.  MyUSA Credit Union NMLS #442068.

2 Check with your tax adviser for possible tax benefit.