Mortgage Rates

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

Fixed Rate Mortgages

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  • Up to 80% Total Loan- to-Appraised Value:
  • Up to 90% Total Loan- to-Appraised Value:

10 Year Fixed, First Mortgage

  • 3.50% APR
  • 3.75% APR

15 Year Fixed, First Mortgage

  • 3.75% APR
  • 4.00% APR

30 Year Fixed, First Mortgage

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  • Call for Quote

10-Year Fixed, Second Mortgage

  • 8.00% APR
  • 8.25% APR

Adjustable Rate Mortgages (ARM)

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  • Up to 80% Total Loan- to-Appraised Value:
  • Up to 90% Total Loan- to-Appraised Value:

3/1 ARM, First Mortgage

  • 3.50% APR
  • 3.75% APR

5/1 ARM, First Mortgage

  • 3.75% APR
  • 4.00% APR

7/1 ARM, First Mortgage

  • 4.00% APR
  • 4.25% APR

Home Equity Line of Credit (HELOC)

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  • Up to 80% Total Loan- to-Appraised Value:
  • Up to 90% Total Loan- to-Appraised Value:

Home Equity Line of Credit (HELOC)

  • 5.00% APR
  • 6.00% APR

(There rates in effect on June 25, 2013)

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 October 1, 2013, based on the prior quarter's average 13-Week Treasury Bill (for quarter ending September 30, 2013, 0.080% APR), 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.