We offer flexible rates and terms on our home loan products, which include mortgages as well as home equity loans and lines of credit. Look through our helpful resources for home buying tips, or calculate your loan payments.
Apply for a:
Update your insurance information for your ACU loan.
There will be a charge for credit reports: $26.84 for an individual applicant and $43.46 for joint applicants.
Get a cash rebate when you use a participating Realtor® and fund your mortgage with Member Home Loan. Besides getting an easy, convenient and competitive mortgage with our personal touch, you'll receive a rebate based on the sale price of your new home:
|Sale Price of Home||Cash Back|
|$49,999 or less||$250|
|$50,000 - $99,999||$500|
|$100,000 - $149,999||$750|
|$150,000 - $199,999||$1,000|
|$200,000 - $249,999||$1,250|
|$250,000 - $299,999||$1,500|
|$300,000 or more||$1,750|
To find a Realtor participating in this special rebate program, go to www.memberhomeloan.com and click on the Realtor Rebate tab to get started.
Homeline home equity line-of-credit (variable rate)
*APR = Annual Percentage Rate. May adjust monthly. Adjustment cap 2%, floor 6%, lifetime cap 20%.
**ACU may pay closing costs for home equity loans or lines of credit. Borrower is responsible for obtaining and paying for comprehensive insurance to cover the value of the real estate. If the borrower repays the loan within the first 12 months, the borrower must reimburse the credit union for the closing costs.
The "equity" you have in your house is the difference between what you still owe on your house (your mortgage balance) and what your house is worth on the market now (the appraised value).
You can borrow against your equity to consolidate bills, fix up your home, finance college tuition, even purchase a new car. Interest on home equity loans is often tax deductible, too. Check with your tax advisor for details.
If you choose a home equity line of credit, you can draw on it as you need it. For example, if your credit line is $22,000, you might decide to initially use $5,000 to pay off all your credit card debts. A year or two later, you may want to remodel your kitchen or basement and get a $10,000 advance from your credit line to make it a reality. Tap into your line of credit anytime without reapplying with special checks from the credit union. As you pay off your credit line, the money becomes available for you to borrow again.
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