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Home Loans

Wherever you are in life, MTEFCU has the home loan for you.

Whether purchasing a new home or land, building a new home, or refinancing your current mortgage, your credit union is your best choice for financing.

We can process your loan from origination to closing at our convenient Houghton Branch. Don’t finance the biggest purchase of your life without talking to our experienced staff first.

Schedule a Home Loan appointment online today. 

Lending is available in Baraga, Houghton, Keweenaw, and Ontonagon counties. Loan availability, terms and interest rates are subject to underwriting requirements. Rates and terms are subject to change without prior notice.

Home Purchase/Refinance

Finance your new or existing mortgage

Construction Loans

Finance your next construction project

Raw Land Purchase/Refinance

Finance your new land purchase

Home Equity Loans

Use the equity on your home as collateral

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Current Rates
Vehicle Loans APR*
New Auto - 1.99%
Used Auto - 2.99%
New Recreational - 1.99%
Used Recreational -3.49%
Home Equity Loan APR*
60 Month - 4.75%
84 Month - 5.00%
120 Month - 5.50%
Share Certificates APY*
6 Month - 0.45%
12 Month - 0.60%
24 Month - 0.90%
*Rates listed represent our best rate and is based on credit history. Rates are subject to change. Contact MTEFCU for details.