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MidFirst Credit Union of Ohio proudly serves those in Butler, Warren and Montgomery Counties, as well as the employees and retirees of over 200 Select Employer Groups (SEGs) and their families.

CONSUMER ALERT
MidFirst Credit Union always has your financial interest in mind, and part of that is financial security and privacy. MidFirst CU will NEVER send you any communications with a link to a web page or login screen, or any request for personal information such as account numbers, PINs, or other passwords. If you receive a questionable e-mail requesting personal MidFirst CU information, or an e-mail that appears to be from MidFirst CU that includes a link to any website, please contact MidFirst CU at (800) 633-8905 or (513) 420-8640.

MidFirst Credit Union Home Equity Line of Credit and Home Equity Loan

Whether you need a loan for debt consolidation, home repairs, a new car, college tuition or a wedding, MidFirst Credit Union can help with a low-rate Home Equity Loan or variable-rate Home Equity Line of Credit that will save you money! Using the equity in your home is a smart way to borrow. You have the advantages of a lower rate than a personal loan and that interest may be 100% tax deductible.* Keep in mind that MidFirst CU also offers a variety of First Mortgage options if you are looking to buy a new home or refinance an existing home loan.

To obtain a Home Equity Loan or Home Equity Line of Credit, the first thing you need to determine is how much equity you have in your home. Using the chart below, estimate your available equity.

Current Market Value** of your home:	$_______________
Minus any remaining balance on your First Mortgage:	$_______________
Your approximate available home equity:	$_______________

MidFirst Credit Union Home Equity Line of Credit (HELOC)

Borrow up to 100% of your home's value, less what is owed (Private Mortgage Insurance may be required) with the variable-rate MidFirst CU Home Equity Line of Credit. Available to qualified members, rates are as low as a 1/2 point over the Prime Rate.

Whatever your needs, you'll benefit from a competitive variable rate, and you'll enjoy easy access to your available funds through free convenience checks and easy transfers through MidFirst CU Online Banking. Borrow funds as needed over a 10-year draw period and repay it over a total of 15 years.

Applying is easy! Print an application form to complete and submit at any MidFirst Credit Union location. See full disclosures for details.

MidFirst Credit Union Home Equity Loan

A fixed-rate MidFirst CU Home Equity Loan allows qualified members to finance up to 100% of your home's value, less what is owed (Private Mortgage Insurance may be required). Borrow a fixed amount and repay it over a period of time, up to 15 years. You can also make payments quickly and easily through the MidFirst CU Payroll Deduction service.

Print an application form to complete and submit at any MidFirst Credit Union location. See full disclosures for details.

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First Mortgage Center

* HELOCs: The Annual Percentage Rate (APR) is a variable rate based upon the current Prime Rate as listed in the Wall Street Journal. The maximum APR that can be applied is 18%. Private Mortgage Insurance may be required. Annual Inactivity Fee of $50 applies. Fees and closing costs may apply. Fees range from $150 - $275. Consult your tax advisor regarding the deductibility of interest. Certain restrictions may apply. Speak with a MidFirst CU Associate for details. Rates quoted for 1-60 month terms.

** Home Equity Loans: The Annual Percentage Rate (APR) is subject to change without notice. Private Mortgage Insurance may be required. Fees and closing costs may apply. Fees range from $150 - $275. Consult your tax advisor regarding the deductibility of interest. Certain restrictions may apply. Speak with a MidFirst CU Associate for details.