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Home > Personal > Borrow > Home Loans > Easy Refinance Loan

Easy Refinance Loan

  • Preferred Product
  • 80%/Borrow Up To
  • Fixed Rate
  • $1,500 closing cost for 10 & 15 year terms (may be financed).
  • 10 & 15 year terms available.
  • Minimum initial loan amount of $25,000.
  • Borrow up to 80% of your home’s value up to FHFA maximum conforming loan limit.
  • If approved, closing time approximately 30 days.
  • Cash out option available, must be first or second lien position.

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Rate used in calculator is an example of a recent available rate and may not be current. Rate displayed may not be available to all applicants and is subject to change daily. Contact us for current rates.

Financial Calculator

Not all will qualify for the lowest rate.


Mortgage Program Rates
TypeMaximum Term*APR as low asMinimum Loan AmountAdditional AdvancesAdditional Information
Choice Home Equity1,2 15 Years 7.50% $25,0003 $500 minimum No prepayment penalty. Offered in most states.
Easy-Refinance1 15 Years Call for current rates $25k Not Available Cash-out option available

10 &15 Year Term-$1,500 fixed closing costs
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 $10,000 loan with a 15 year term at 7.50% APR is $92.70.
Easy Refinance- Estimated monthly payment on a $25,000 loan with a 15 year term at 6.75% APR is $221.23.
First Mortgage- Estimated monthly payment on a $25,000 loan with a 30 year term at 6.75% APR is $162.15

*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 $726,200.

Mortgage Calculators

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