Heroes Home Improvement Loan
Give Your Home an Upgrade without Breaking the Bank.
MCU’s Heroes Home Improvement Loan is an inclusive fixed-rate loan designed to help low to moderate-income homeowners make necessary repairs, upgrades, and renovations—everything you need to make your house a more comfortable home.
Invest in Your Home and Your Future.
The Heroes Home Improvement Loan is designed to make home improvement projects more accessible and affordable—helping homeowners transform their living spaces with flexible loan terms, low fixed interest rates, and access to up to $50,000 in funds.
Flexible Loan Terms
With repayment periods ranging from 1 to 10 years, you can choose the term that works best for your budget. Whether you're looking to pay off your loan faster or reduce your monthly payments with a , we have options to fit your needs.
Up to $50,000 in Funds
Borrowers can access anywhere from $5000–$50,000 in funds to tackle any home improvement project, big or small. From repairing a leaky roof to remodeling your kitchen, our loan can help make your home improvement dreams a reality.
Enjoy Fixed Interest Rates
Lock in your interest rate and discover the peace of mind that comes with knowing that your monthly payments won't change over the life of your loan, regardless of market fluctuations—so you can plan your budget and manage your finances more effectively.
Additional Loan Details & Qualifications
Members must own and occupy the home as their primary residence as well as pre-qualifying for the loan based on FFIEC census tract and income guidelines. Please keep in mind that you still must qualify for the loan through other standard eligibility such as credit score, debt to income ratio, lien position and ownership of property. For additional information, please visit our rates page.
Lending Products Built for the Heroes of NYC
Whether you’re ready to purchase a vehicle, need cash for an unexpected expense, or something else—we’re here to help. MCU offers the lending services you need to achieve your goals.