Home Equity & First Mortgage Loans
With three options to finance your home, the decision is all yours!

Which Program Fits You Best?
First Mortgage Choice Home Equity
Line of Credit
Easy Refinance
Best For: New Purchases
Rates: Change Daily (get a quote)
Maximum Term:
Minimum Purchase:
Best For: Whatever you need!
Rates: APR as low as 3.25%1
Best For: Refinancing, lowering payments
Rates: APR as low as 3.25%1

Make ACU the home, we understand that your house is more than an investment or collateral for a loan. We want you to make fully informed decisions, and encourage you to take advantage of our lending specialists. Ask all your questions, get all the facts, and you'll choose ACU for your home lending needs.

First Mortgages
Notice: Since November 2012, Ashland CU has been partnered with myCUmortgage, LLC for first mortgage underwriting. For information on our mortgage programs, to check rates, or apply, please click here to get started.

If you already have a mortgage with ACU serviced by PHH Mortgage Company, you can access your loan details at www.mortgagequestions.com

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.

Please note that home equity loans are currently only offered in the following states: AR, FL, GA, IL, IN, KY, LA, MI, MN, MO, NC, NJ, OH, PA, TN, VA, WA, WV, WY.

Variable Rate Choice:
  • Interest Rate 1
    1. Subject to change semi-annually
    2. Based upon your credit score and LTV* ratio
    3. Minimum Rate is 3.25%
  • Credit Line - Borrow up to 90% of your home's equity
  • Term - Up to 15 years
  • Initial Advance - $10,000 minimum
  • Additional Advances - $500 minimum
Variable Rate Choices Include:
  • No fees, no closing costs
  • No pre-payment penalty
  • Tax deductible interest (consult your tax advisor)
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.
1Rate may not exceed 24.00% APR. Not all applicants will receive the lowest rate. Property Insurance is required.
Loan Types:
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