| Type | Maximum Term | *APR as low as | Minimum Loan Amount | Additional Advances | Additional Information |
| Choice Home Equity1,2 |
15 Years |
5.75% |
$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 |
$50,000 |
See Details Below.4 |
Cash-out option available
10,15, 20, & 25 Year Terms Origination 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 Examples | HELOC- 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.
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*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 23.99%
3 Maximum line-of-credit is the lesser of: 90% of the Market Value less 1st Mortgage OR FHFA Max Conforming loan limit, currently $832,750.
4Miscellaneous state specific fees may apply. For example: Borrower is responsible for appraisal cost between $500-$1000 in KY, WV, OH, and WI. Costs may vary. There is no loan fee. Appraisal cost up to $1,000. 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.
