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Mortgage Rates

Put down roots with home loans that help your family grow.

Fixed Rate Mortgages

  • 10 Year Fixed, First Mortgage

  • Up to 80% Total Loan- to-Appraised Value
  • 3.00% APR
  • Up to 90% Total Loan- to-Appraised Value
  • 3.25% APR
  • Apply Now
  • 15 Year Fixed, First Mortgage

  • Up to 80% Total Loan- to-Appraised Value
  • 3.25% APR
  • Up to 90% Total Loan- to-Appraised Value
  • 3.50% APR
  • Apply Now
  • 10-Year Fixed, Second Mortgage

  • Up to 80% Total Loan- to-Appraised Value
  • 7.25% APR
  • Up to 90% Total Loan- to-Appraised Value
  • 7.50% APR
  • Apply Now
  • Consumer First Mortgage: 30 Year Fixed

  • Rate
  • 3.25% APR
  • Maximum Percentage Financed
  • 100%
  • Term
  • 30 Years
  • Apply Now

Adjustable Rate Mortgages (ARM)

  • 3/1 ARM, First Mortgage

  • Up to 80% Total Loan- to-Appraised Value
  • 2.95% APR
  • Up to 90% Total Loan- to-Appraised Value
  • 3.20% APR
  • Apply Now
  • 5/1 ARM, First Mortgage

  • Up to 80% Total Loan- to-Appraised Value
  • 3.25% APR
  • Up to 90% Total Loan- to-Appraised Value
  • 3.50% APR
  • Apply Now
  • 7/1 ARM, First Mortgage

  • Up to 80% Total Loan- to-Appraised Value
  • 3.50% APR
  • Up to 90% Total Loan- to-Appraised Value
  • 3.75% APR
  • Apply Now

Home Equity Line of Credit (HELOC)

  • Home Equity Line of Credit (HELOC)

  • Up to 80% Total Loan- to-Appraised Value
  • 5.00% APR
  • Up to 90% Total Loan- to-Appraised Value
  • 6.00% APR
  • Apply Now

Land Loans

  • Subdivision Lots

  • Rate
  • 5.95%
  • Maximum Percentage Financed
  • 75%
  • Term
  • 10 Years
  • Apply Now
  • Land Loans Up To 20 Acres

  • Rate
  • 6.5%
  • Maximum Percentage Financed
  • 70%
  • Term
  • 15 Years
  • Apply Now
*Rates provided by Consumer First Mortgage and subject to change due to market conditions.

ACU Home Loan Terms and Conditions

The above rates are for reference only and are subject to change for better or worse, depending on market condition. Real estate loan applications not accepted via e-mail; please download a printed application, complete and forward to Alabama Credit Union’s main office at 220 Paul Bryant Drive East, Tuscaloosa, AL 35401.

*HOME EQUITY LINE OF CREDIT. Rate: APR may vary in relation to an index. Rate will change on April 1, 2016 based on the prior quarter's average 13-Week Treasury Bill (for quarter ending March 31, 2016, 0.080% APR 0.070%), plus a margin of 3.4 percentage points for 80% value loans, or 4.4 percentage points for 90% value loans. Minimum payment: 1.25% of loan advance for 80% value loans, or 1.5% of loan advance for 90% value loans. If a balance remains on the maturity date, a balloon payment will result. Borrower agrees to repay closing costs paid by Alabama Credit Union if loan balance falls below $5,000 within 24 months after opening. Loans made on primary residence only. Consult a tax advisor regarding deductibility of interest. Offer applies to new Home Equity Line of Credit loans only; existing loans excluded.