Home Equity Loans


Choice Home Equity Loans are a very flexible and popular choice for a variety of borrowing needs, from debt consolidation, home improvements to educational funding. We leave it up to you and what fits your needs best. You can choose to have a variable or a fixed rate.

The best part is that either option can be used for whatever you need and come with all of the great features listed below. Apply today and get started on your next project!

Variable Rate Choice
      See special offer above!
  • Interest Rate
    1. Subject to change semi-annually
    2. Based upon prime rate, your credit score, and LTV* ratio
    3. Minimum Rate is 3.25% *A.P.R.
    4. Maximum Rate may not exceed 24.00% *A.P.R. or the maximum permitted by applicable law
  • Draw Period - 10 years
  • Repayment Term - 15 years from last advance
  • Initial Advance - $10,000 minimum
  • Additional Advances - $500 minimum
  • Not all applicants will qualify for the lowest rate.
Fixed Rate Choice
  • Interest Rate
    1. Fixed for term of loan
    2. Based upon your credit score and LTV* ratio
    3. Rates as low as 4.25% *A.P.R.
  • Repayment Term - 10 years
  • Minimum Loan Amount - $10,000
  • Additional Advances - Not available
  • Not all applicants will qualify for the lowest rate.
Variable & Fixed Rate Choices include:
  • No closing costs or fees
  • No pre-payment penalties
  • Borrow up to 90% of your home's value
  • Tax-deductible Interest (consult your tax advisor)
  • Property insurance is required to open the plan.


Please note that home equity loans are currently only offered in the following states:

Arkansas, Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, Minnesota, Missouri, North Carolina, New Jersey, Ohio, Pennsylvania, Tennessee, Virginia, Washington, West Virginia, Wyoming.

If your state is not listed, we may still be able to help, depending on the laws in your state. Contact us to inquire today.

Our rates are incredibly low, and with the possible tax savings, more and more members are finding that ACU is the best choice for them. Speak to one of our experts today by calling 1-800-245-8112.

*Loan to Value (LTV) ratio is the relationship between the amount owed on your home to your home's appraised value.
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**A.P.R. refers to Annual Percentage Rate