Home Equity Loans

Home Equity Loans

Utilize your work and dedication to your good home to secure a low-rate loan with great flexibility. We'll help determine what works best for your needs. Variable rate options available.

  • Low competitive rates
  • Interest typically tax deductible*
  • Use for multiple purposes, including debt consolidation or home improvement
  • In-house decision-making
  • Streamlined application process
  • Cover closing costs up to $400**
  • Amount up to 80% of appraised value (less the remaining principal owed)
  • Debt Protection available
  • Home Equity Lines of Credit (HELOC) features
  • Funds not distributed as lump sum
  • Use funds as needed
  • Only pay interest on what is used
  • Re-access without re-applying
  • First box of checks free
  • Setup payments on Auto-Pay
  • Loan Protection Services available

See our current rates.

HELOC Loan Liner Application

HELOC Quarterly Adjustment Disclosure

HELOC Annual Adjustment Disclosure

3 Year Reprice Disclosure

Home Equity Brochure

*Consult a tax advisor. ** Other costs may be associated with this loan.

***APR – Annual Percentage Rate. Loan approval subject to credit, income and property appraisal. Maximum loan-to-value ratio is 80% based on appraised value. Available to owner occupied, single family dwellings. ACCU will cover costs up to $400 - additional costs may be associated with this loan. Minimum advance is $5,000. Rates could be as low as 3.50%. Current ACCU loans not eligible. Rates, terms and conditions are subject to change without notice. Rate above as of 12/16/2015.