We remain open and are here to help.  Most transactions can be handled remotely or through our drive-thru from 9am-4pm Monday-Friday and 9am-1pm on Saturday. Our lobby is only available by appointment.  

If you are concerned about your finances, we have several options to help. Our Call Center remains available from 9am-4pm Monday-Friday and 9am-1pm on Saturday to help with remote access, questions regarding your account, applying for a loan or discussing your options for existing loans.  They can be reached by texting or calling 248.549.3838 or by email at info@ourcuonline.org.

For additional details and updates please follow us on Facebook or go to OURcuonline.org/precautions.

 

Call Us Now: (248) 549-3838
Low Rate Mortgages

Home Equity

Finance major expenses with the equity you've accumulated in your home with a Home Equity Line of Credit (HELOC). Make home improvements, consolidate debt, provide college tuition or even purchase a new car!

Get the flexibility to use your credit as you need it with our variable  rate HELOC secured by the equity in your home with:

  • Low, variable interest rates1
  • Tax-deductible interest- consult your tax advisor2
  • Low, monthly payments based on 2% of the outstanding balance
  • Access your line using online or telephone banking
  • No fees or closing costs3

Please see one of our Professional Loan Representatives for more details about applying today.

Looking for fixed rate options?

Visit our partner, Mortgage Center to learn more or apply now!

Home Equity Frequently Asked Questions

For more information, call 248-549-3838 or stop into your nearest OUR Credit Union branch!

1Annual Percentage Rate (APR) is as low as Prime Rate. Effective 4/1/20 Prime is 4.25% APR and subject to change. Prime is a variable rate, as it changes , the APR on your account will also change. Prime Rate is the highest Prime Rate reported in the Midwest Edition of the Wall Street Journal on the 15th day (or next business day), of the month prior to the beginning of each billing cycle, rounded to the nearest .25%. The maximum APR that can apply is 18.00%.

2OUR Credit Union wants you to make an informed decision and suggests that you visit the IRS website at www.irs.gov and/or check with your tax advisor concerning your tax credit qualifications.

3Reimbursement of waived fees or closing costs is required if line is closed within the first three years (typically $183 to $368). Programs, rates, terms and conditions are subject to change without notice. Property insurance is required to open the plan. Minimum Line of Credit is $10,000.