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PO Box 525
Oshtemo, MI 49077-0525


Routing # 272481839

Home Equity Loans

"We paid off our student loans."


Steve likes doing business with Consumers, a local establishment. "We’ve had great experiences banking at Consumers," reflects Steve. "Here, we’re known by name. And I’m a person instead of a number," says Steve.


Steve and Emily bought their first home with Consumers and established a line of credit. "They walked us through our mortgage in such a way that was easy, and we could understand," adds Steve. The home equity credit line followed, enabling them to align their funds differently and pay off high interest student loans, saving in interest and reducing debt.


Steve D

– Steve, joined 2007


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Tap Into Your Home's Value

Get cash fast with a home equity loan or line of credit.

A low-interest home equity loan from Consumers gives you access to cash for just about anything.


Fixed rate home equity loans

Fixed Rate Home Equity Loans offer a set rate, amount, and term for your loan for specific, one-time costs.


home equity lines-of-credit (HELOCs)

A Home Equity Line-of-Credit (HELOC) is an open line of credit that can be used and paid on an ongoing basis. The variable interest rate and credit limit of the line will be determined based on the equity available in your home.


Your HELOC can also be tied to your checking account and used as overdraft protection or for a purchase when the opportunity arises. Your low rate will be variable and based on Prime Rate.


Silver Lining Lending

Silver Lining Lending is a unified approach to finances by consolidating loans with a competitively priced home equity product—specifically designed for members approaching retirement with changing budgetary needs.

By reducing the number of loan payments, Silver Lining Lending enables members to save money in interest charges while potentially increasing their cash flow. It also removes some of the stress associated with retirement planning by positioning the member’s equity to their best advantage. The result is fewer loans, fewer payments, and ultimately, better cash flow.


apply today!

Call 800.991.2221 for details or apply online in Online Banking.



All home equity programs offer potential tax benefits. Please see your tax advisor for details.


*This promotional, introductory Annual Percentage Rate (APR) applies only to new loans. Rate is effective as of April 1, 2015.  The introductory APR will convert to a variable rate after the first six monthly billing cycles. The variable APR is based on the WSJ prime rate (currently 3.25%), and will adjust quarterly. The variable APR can range from as low as 3.25% to a maximum of 18.00%.  Approval and rate may vary based on credit history, term, and security offered. Minimum qualifications for the introductory rate include 80% maximum combined LTV and a minimum credit score of 670. Early termination fee of $300 if closed within first 24 months. Other restrictions may apply. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Closing costs will apply, if an appraisal is required to determine the property’s value.


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