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 — and you'll receive the unsurpassed level of service you've come to expect from ACCU.

  • Competitive rates
  • Low closing costs*
  • Interest may be tax deductible. Consult a tax advisor.
  • Multi-purpose:
    • Home improvement
    • Debt consolidation
    • College tuition
    • Major expenses
    • And more
  • Amount up to 80% of appraised value (less the remaining principal owed)
  • Borrow only as needed, up to your approved credit line
  • Make payments only on the portion you use
  • Re-access without re-applying
  • Funds accessible through direct check writing
  • Convenient ACH/automatic payment

View the following brochures and disclosures to learn more.

July 2017 Special

Summer Fun For Everyone! 

Time to make improvements? Use the equity in your home to make upgrades, repairs or pay off your high rate loans and consolidate.
When you open a Home Equity Line of Credit and get a $100 Home Improvement Gift Card with a minimum $20,000.00 balance/advance. 

Offer, term and conditions are subject to change or discontinue at any time, without notice. Offer not valid on current ACCU loans. Promotional funds may be subject to 1099 reporting. Any applicable taxes are the responsibility of the member. Gift Card offer expires 07/31/17.  
*Other costs may be associated with this loan. ACCU will cover costs up to $500 for loan amounts under $100,00, $1,000 for loan amounts between $100,000 - $250,000, and $2,500 for loan amounts over $250,000.
This HELOC is a variable rate plan as described in the applicable loan documents. Annual Percentage Rate (APR) may vary based on the index rate plus a margin. Index rate is based on the Prime Rate as published in the Wall Street Journal. The current index is 4.25%. APR will not exceed 18.00%. Advertised “as low as” APR assumes excellent credit history, loan-to-value, and maximum rate discount of 0.50% for ACH/automatic payment. Qualification and APR dependent on credit history, debt, loan-to-value, ability to repay, home ownership, and other factors.  Maximum loan-to-value ratio is 80% for owner-occupied and 70% for non-owner occupied, based on appraisal value.  Available to owner- and non-owner occupied, single-family dwellings. Minimum advance is $5,000. Current ACCU loans not eligible. Rates, terms, and conditions are subject to change or discontinue at any time, without notice.