Fixed Rate Mortgages
First Mortgage rates below are based on $175,000 loan amount and purchase transaction. Second Mortgage rates below are based on $20,000 loan amount. For rate information on a 30 Year Fixed Mortgage, please contact our loan department at 888.817.2002.
10 Year Fixed, First Mortgage
15 Year Fixed, First Mortgage
10-Year Fixed, Second Mortgage
Adjustable Rate Mortgages (ARM)
Mortgage Rates below are based on $175,000 loan amount and purchase transaction.
3/1 ARM, First Mortgage
5/1 ARM, First Mortgage
5/5 ARM, First Mortgage
7/1 ARM, First Mortgage
10/1 ARM, First Mortgage
Home Equity Line of Credit (HELOC)
Home Equity Line of Credit (HELOC)
*See important information about rates, fees and other costs
Please call for APR Rates by product. The above rates are for reference only and are subject to change for better or worse, depending on market conditions.
*HOME EQUITY LINE OF CREDIT. Rate: APR may vary in relation to an index. Rate will change each quarter (January 1, April 1, July 1, and October 1) based on the prior quarter's average 13-Week Treasury Bill, 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.