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Home > Personal > Borrow > Home Loans

Home Loans

Need a home loan? Let us help you decide what works best for you.

Take a look at our home loan options and apply today! 

 

Rates

Mortgage Program Rates
TypeMaximum Term*APR as low asMinimum Loan AmountAdditional AdvancesAdditional Information
Choice Home Equity1,2 15 Years 6.50% $25,0003 Appraisal fee.(Costs may vary) See Other Details Below.4 No prepayment penalty. Offered in most states.
Easy-Refinance1 25 Years Call for current rates $50k See Details Below.4

Cash-out option available

10,15, 20, & 25 Year Terms

Orgination fee: $1,250 (all terms)

Pass thru appraisal fee up to $1,000
First Mortgage ACU offers low-rate first mortgages in most states.
Rates change daily. Call the Credit Union at 800-245-8112 to check current rates.
Payment ExamplesHELOC- Estimated monthly payment on $25,000 loan with a 15 year term at 6.50% APR is $217.78.
Easy Refinance- Estimated monthly payment on a $50,000 loan with a 15 year term at 6.75% APR is $442.
 

*A.P.R. = Annual Percentage Rate. Not all will qualify for lowest rate.
1 Rate offered will be based on combination of factors including credit score and loan-to-value ratio. Property Insurance is required.
2 Variable rate is subject to change semi-annually. Max rate is 24.00%
3 Maximum line-of-credit is the lesser of: 90% of the Market Value less 1st Mortgage OR FHFA Max Conforming loan limit, currently $806,500.
4Miscellaneous state specific fees may apply. Costs may vary. Speak to an ACU Mortgage Representative for more information.

 

Mortgage Calculators

* Not available in all states. Please contact us to confirm availability in your area.