Home Improvement and Construction Loans

Low, Fixed Rates

Whether you’re building, improving or renovating, lock in the same low monthly payments.

Local Loan Servicing

All decisions are made by the same in-branch loan officer you work with, so you’re always dealing with someone who knows your loan.

Interest May Be Tax-Deductible

Interest on loans used to build or improve your primary or secondary residence may be tax-deductible².

Unsecured Home Improvement Loan

Planning smaller updates or quick renovations? Our Unsecured Home Improvement Loans offer the flexibility you need, without using your home as collateral.

Because it’s unsecured, approval is based on your creditworthiness, making it an ideal solution for homeowners who want to act quickly on their improvement plans.

Features: 

• Loan amount up to $25,000 with no appraisal

• Low, fixed rates

• Flexible repayment terms — up to 15 years

• No pre-payment penalty

• Closing costs paid by Oxford Federal Credit Union*

• Annual interest payments may be tax-deductible**

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Secured Home Improvement Loan

For larger renovation projects or long-term investments in your home, a Secured Home Improvement Loan could be the perfect fit. By using the equity in your home as collateral, you may qualify for a lower interest rate and higher loan amount than unsecured options—ideal for kitchen remodels, additions, or significant structural updates. This type of loan gives you the power to transform your home while increasing its value.

Features: 

• Loan amount up to $250,000 

• Low, fixed rates

• Flexible repayment terms – up to 20 years

• Closing costs paid by Oxford Federal Credit Union*

• Interest paid may be tax-deductible**

Apply Now