Equity Advantage Mastercard

Gain Equity MastercardCredit card access makes it simple

Whether purchasing building supplies or buying tile flooring for your new kitchen, reach into your wallet and use your Equity Advantage Mastercard. You can use it everywhere and all your transactions are itemized in your monthly statement.

  • Remodel or put in a pool
  • Consolidate bills
  • Pay for college tuition
  • or anything else you can dream of...


  • NO Annual Fee
  • NO Balance Transfer Fee
  • NO Cash Advance Fee
  • NO Foreign Transaction Fee
  • Competitive variable rates
  • Borrow up to $250,000**
    (with a Loan To Value (LTV) of 80% or less)
  • Borrow up to $150,000**
    (with a LTV of 80%)
  • Zero points, no costs***
  • Arizona, California and Nevada only

  • Mastercard Global Service

    Provides 24/7 assistance with lost and stolen card reporting, emergency card replacement, emergency cash advance, as well as assistance with locating ATMs.

  • Mastercard Airport Concierge

    Provides a Meet and Greet agent to assist with flight connections plus, at select airports, expedited security/immigration processing.

  • Extended Warranty

    Doubles most manufacturer or U.S. store brand warranties for up to one additional year.

  • Price Protection

    Can refund the difference if you buy something and then see it advertised for less within 60 days of the date of purchase.

  • Satisfaction Guarantee

    Can provide a refund of up to $250 if you are dissatisfied with a purchase and the merchant will not accept a return within 60 days of the purchase date.

    Certain restrictions apply. See mastercard.com/zeroliability for details.

  • Identity Theft Resolution Services

    Assists you with credit bureau notification and debit card replacement and provides you with an ID Theft Affidavit should you become the victim of Identity Theft.

Gain Advantage Home Equity Line of Credit Mastercard

Intro APR* as low as



* APR = Annual Percentage Rate.  The 2.990% APR is valid for 6 months from account opening. Introductory APR for a period of six (6) billing cycles. When the discounted period expires, the APR on existing balances will increase to the new, non-discounted variable rate on the first day of of the billing cycle. Rate valid as of 06/01/20 and is subject to change without prior notice. Rates listed are our best rate based on approved credit and owner occupancy. Actual rate may be higher depending upon applicant's credit rating and other underwriting factors. 
**Restrictions apply. See Credit Union for full details.
***Lender closing costs: Gain Federal Credit Union pays for flood certification, standard recording fees, title and appraisal. Member is required to pay for sub-escrow of $160 (if required), and California's document recording surcharge of $150 to $225.
1 Certain restrictions apply. See mastercard.com/zeroliability for details.
Ceiling rate is 18.00%.

 Disclosures and Program Information
MasterCard Agreement     Equity Advantage MasterCard Benefits Program Disclosure     Home Equity Early Disclosure

The National Foundation for Credit Counseling (NFCC) provide free or low-cost individualized, confidential credit counseling in-person and by phone at (877)-316-6322. http://www.nfcc.org