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Home Improvement Loans

Don't move— improve!

Your home is your castle. Make it shine with a home improvement loan.


Competitive rates

Save money over the life of your home improvement loan.


High LTV

Make improvements with little to no equity in your home, with flexible loan-to-value options.


Fixed rate

Predictable monthly payments help you budget for the future.

Calculate your monthly payment1

Monthly Payment

Competitive Rates

Affordable options

Create your ideal space. Our competitive-rate home improvement loans help you pay less interest over the life of the loan.

Two adults pouring white paint
High LTV

Get more funding for your project

Transform your home without depleting your equity. You can get up to 125% loan-to-value (LTV) to pay for renovations.2

Man applying grout to brick home

Trust is a top reason members choose Members Mortgage.

— 2023 Mortgage Processing Survey

How it works

It's easy to get a home improvement loan.

  • 1

    Complete an application

    Apply online, by phone, in person, or through video banking.

  • 2

    Get approved

    We'll crunch the numbers and let you know if you're approved.

  • 3

    Improve your home

    Use the funds for qualifying home improvement projects.

Apply now

Have questions? We're here to help!


Schedule an appointment


Schedule now


Meet virtually


Video Banking


Give us a call


Call 218-625-8580

Hone your home


With a home improvement loan, get the funding you need to transform your space. Our competitive rates and high LTV make it easy!


Apply now


1 The calculator is provided for informational purposes only and any calculation is solely an estimate based on the information you provide. Calculations do not include amounts for taxes and insurance premiums, if applicable, and your actual payment obligation may be greater. Contact Members Cooperative Credit Union at 1-800-296-8871 for more information.
2 Loan to value requires an “as is” appraisal and is based on the amount of all loans secured by the property.

Members Cooperative Credit Union lends to Minnesota and Wisconsin residents only and property used as mortgage security must be within the states of Minnesota and Wisconsin. Membership and loan approval required. Restrictions apply.

Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at any branch office regarding the locations where HMDA data may be inspected.

Use of online or other electronic services may require specific hardware and software and your agreement to certain terms and conditions. Access is subject to the availability of the internet, cellphone and network coverage and plans, and typical service interruptions stemming from your providers or the credit union’s providers. In order to receive account notifications you must enroll in online banking services and specifically text notifications. Membership required.

Video Banking

Memorial Day Holiday Closure All offices will be closed on Monday, May 27, in observance of Memorial Day. ATMs, mobile services, and online banking are available 24/7! View all our holiday closures.