Vehicles Now For Bid- Learn More 

ACU will be closed on Monday, May 29, 2023 in observance of Memorial Day. Happy Memorial Day!

Online Banking

Forgot Username?Forgot Password?

First Time User? Enroll Here.

Make a Loan Payment

Personal

Save More, Stress Less

Vacation and Christmas Club Accounts

Our Club Accounts make saving for big events easy! Grow your savings faster with one of our high interest Club Accounts.

Learn More

Business

Grow Your Business

Let us help you find the right products and services for your growing business

Learn More

Learn More

Own Your Journey

At Ashland Credit Union, we embolden our members to achieve their financial goals. Along life’s journey, you can count on us for guidance as you strive for financial wellness.

Your life is your journey…Own It!

Learn More

Couple looking at laptop
Couple looking at laptop
Home > Personal > Borrow > Home Loans > Mortgage Loans

Mortgage Loans

First Mortgage*

  • Fixed or Variable Rate
  • Borrow up to 100% **
  • Terms available up to 30 years.3
  • Minimum initial loan amount of $25,000.
  • Closing costs are variable, quoted after application.
  • If approved, closing time approximately 30 – 45 days.
  • Escrow services available.

Apply Now

Rates

Mortgage Program Rates
TypeMaximum Term*APR as low asMinimum Loan AmountAdditional AdvancesAdditional Information
Choice Home Equity1,2 15 Years 6.75% $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 6.75% APR is $88.49.
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
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

Le’Ann Niece (Ashland, KY)Le’Ann Niece (Ashland, KY)

Mortgage Supervisor/Mortgage Loan Originator (MLO)
NMLS # 1892887

A good home is a place you can always come back to, and a great mortgage is one that helps you get there. Whether you want Conventional, VA, FHA, USDA, or our Easy Refinance; I’ll show you the best fit for your money and situation.

~Le'Ann Niece

* Not available in all states. Please contact us to confirm availability in your area. Not all will qualify for the lowest rate.

** Only available for individuals who quality for USDA and VA mortgage programs.

1 Certain types of loans may have qualifications on who can apply. Talk to an ACU loan officer for details.

2Estimated monthly payment on a $25,000 loan with a 15 year term at 4.25% APY is $188.  Estimated monthly payment on a $25,000 loan with a 10 year term at 4.00% APY is $253.

3Estimated monthly payment on a $25,000 loan with a 30 year term at 4.75% APY is $130