Homeowner Personal Loan. Welcome Home Improvement.

Take on those home repairs or renovation projects to make your house the home of your dreams. And do it without closing costs or collateral.

Kelly, an Affinity Plus member, in front of a home with solar panels.
Kelly, Affinity Plus Member

What you get

Benefit From Homeownership

The length of your home ownership can help lower your rate.1

And you may qualify for a rate discount if you have your mortgage with us.2

Equity Stays Intact

No equity or collateral needed. Increase your home’s value without putting your home equity on the line.

Up to $30,000

Access funding to tackle the smaller projects.

Get funds fast with our quick application and approval process.

MyPlus Rewards™

Earn MyPlus Rewards points for borrowing with us.

And use points you've already accrued to reduce your rate when taking out a new loan.

Getting Started is Easy

Not a member yet?

Membership is required for loans and accounts with us. But you can apply for most types and become a member at the same time.

Already a member?

Apply for loans and open additional accounts in the mobile banking app, from the More screen. Or log in to online banking, then click “Apply” in the upper-right.

We're here to help.

From video calls and chat to secure messaging, there are all kinds of ways to contact us.

Home Improvement Loan

If you need access to larger amounts, consider our Home Improvement Loan or other home equity options.

Asha, a Minnesota resident, on a purple background
Asha, Minnesota Resident


The Homeowner Personal Loan is a personal unsecured loan. New or existing Affinity Plus membership is required. All loans are subject to approval.

1. Rates for this loan are based upon loan amount and length of homeownership. See rates table for more information.

2. Mortgage verification is required to qualify for a rate reduction.