A woman sitting on the kitchen floor smiling while playing with a white dog.

Buy, refi, or put your home's equity to work.

From a 5.25% APR¹ 30-year fixed mortgage to a $0-closing-cost HELOC², MyUSA Credit Union offers local experts, competitive rates, and flexible terms to support your next chapter of homeownership.

Simple application process

∘

8 local branches

∘

Local decisions

∘

Affordable, Trusted, Local

∘

Simple application process ∘ 8 local branches ∘ Local decisions ∘ Affordable, Trusted, Local ∘

A woman wraps her arms around a man holding a white mug, both smiling joyfully in a cozy kitchen setting.

Lock in a 5.25% APR¹ on a 30-Year Fixed Mortgage

A house is usually the biggest purchase of your life – MyUSA Credit Union wants to make that more affordable and convenient for you.

Skip the closing costs with a MyUSA HELOC

With $0 closing costs², no early payment penalty, and interest that may be tax deductible³, a MyUSA HELOC is a smart, flexible way to fund what matters most.

Scroll to the bottom of the page for direct application links. By entering your email, you consent to receive marketing and service-related communications from us.

WHY CHOOSE MYUSA

We’re here for the biggest purchase of your life.

A simple icon of a school building with a triangular roof and double doors
Outline of a house resting on a hand.
Icon of a mobile phone with sound waves indicating a notification or alert.
Two adult figures with a child, all appearing to be standing together.

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 pre-approval to closing, a dedicated MyUSA lending team is with you throughout the process.

Simple Online Application

Getting started on your home loan or 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.

HOW IT WORKS

3 steps to homeowner happiness

1

Apply

Apply however works best for you: online, over the phone with our home loan team, or in person at any of our 8 local branches. You'll need property info, income and assets, and current loan details if refinancing.

2

Pre-Approval

A local loan officer reviews your application to determine pre-approval. Then you can compare options, rates, and terms and move forward with confidence.

3

Lock Your Rate

For mortgages, rate locks typically last 30-60 days — enough time to get to closing. You'll review a Loan Estimate covering costs, fees, interest rate, and loan terms before anything is locked in.

GET STARTED

Scroll to the bottom of the page for a direct application link

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!

  • MyUSA offers conventional home purchase loans, refinancing, and FHA and VA programs. Contact us to discuss which loan program fits your situation.

  • After a mortgage pre-approval, rate locks typically last 30-60 days – enough time to get to closing. Your loan team will walk you through the timeline.

    We can typically close a home equity loan or line of credit in 2-3 weeks.

  • 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

A woman with dark hair and a yellow headband, wearing a green blouse, stands in a modern kitchen smiling while looking at her phone. She holds a pink mug in her right hand.

Spring moves fast.
Don’t wait.

This is the best time to take your next step as a homeowner, whether you’re looking to buy a new property or simply fix up the one you have. Apply today to take advantage of our limited-time offers!

Apply for a Home Loan
Apply for a HELOC

Disclosures

1 Annual Percentage Rate (APR) of 5.25% valid on MyUSA Credit Union 30-year fixed rate first mortgage loans applied for between April 1 and May 31, 2026. 5.25% APR will apply to eligible borrowers with a credit score of 680 or higher for loan amounts between $50,000 and $750,000. Down payment of 10% or more required. Maximum Loan-to-Value (LTV) of 90%. Closing costs will apply and will vary based upon loan amount. As an example, based on a $200,000 loan amount with a 10% down payment, estimated monthly principal and interest payments on a 30-year mortgage would be approximately $1,104.57 (Excludes points, taxes and insurance; total payment will be higher). First Mortgage offer available for purchase or refinance of primary, owner-occupied residential property on a one to four family dwelling; Cannot be used to refinance an existing MyUSA Credit Union loan. Offer applies to 30-year fixed consumer residential mortgage loans only, and excludes home equities, HELOCs and business loans. Other loan rates and terms available and may vary depending on property appraisal and each individual’s credit history and underwriting factors. Not all applicants will qualify. Consult a tax advisor regarding the deductibility of interest. In order to open a loan, you must first become a MyUSA Credit Union Member. Limit one offer per member; cannot be combined with other offers. Other restrictions may apply. Programs, rates, terms and conditions are subject to change without notice. Speak with a MyUSA Credit Union Associate for program details. MyUSA Credit Union NMLS #442068.

2 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.

3 Check with your tax adviser for possible tax benefit.