Put Your Home's Equity to Work
Borrow against the value you have built, with a fixed-rate Home Equity Loan for a one-time need or a flexible HELOC for ongoing access. America's Credit Union pays the closing costs on new equity loans.
Pick the Option That Fits Your Need
Know the exact amount you need? Choose a fixed-rate Home Equity Loan. Want to borrow as you go? A HELOC keeps a flexible line ready.
One Lump Sum, One Fixed Payment
Borrow one lump sum from the equity in your home with fixed payments and rates for the term of the loan.
- Best if you: Know exactly how much you need to borrow and want a consistent rate and payment
- Rate Type: Fixed
- Terms: 5 to 15 years
- Access to Funds: Disbursed in a lump sum at closing
- Borrowing Limits: Up to 90% of your home's value for owner-occupied
A Flexible Line, Ready When You Are
Use the equity in your home to provide credit when you need it. Borrow and pay back money as you need it.
- Best if you: Do not know how much you need and want flexibility in your borrowing amount
- Rate Type: Variable
- Terms: 10-year draw period with a 10-year repayment
- Payment Amount: 1% of the outstanding balance at the end of the month
- Access to Funds: Branch, transfer, online banking, cashier's checks
- Borrowing Limits: Up to 90% of your home's value for owner-occupied
Clear on the Costs Before You Apply
A short list of fees, plus the closing costs ACU covers for you on new equity loans.
Fees You May Pay
Appraisal: may be ordered if requested by the borrower; appraisal cost ($775 to $1,000) is paid by the borrower.
Processing Fee: a $500 processing fee may be applied to loans with a combined Loan-to-Value (LTV) greater than 80%.
Closing Costs ACU Pays
ACU pays the closing costs on new equity loan applications (Fixed-Rate Equity Loans and HELOCs), including flood determination fee, title search, credit report, property condition report, and recording fees.
Talk With Our Mortgage Experts
Apply for a home equity loan online or contact our mortgage experts: 1495 Wilmington Drive, Suite 180, DuPont, WA 98327. Phone: 253-591-6871.
Your Equity, Backed by Real People
Competitive terms, closing costs on us, and a mortgage team that answers the phone.
Up to 90% of Home Value
Borrow up to 90% of your home's value for an owner-occupied property.
ACU Pays Closing Costs
On new equity loan applications, ACU covers flood determination, title search, credit report, and more.
Fixed or Variable
Choose a fixed rate on a Home Equity Loan or a variable rate on a HELOC.
Lump Sum or Line of Credit
Take one lump sum at closing or draw from a flexible line as you need it.
Owner-Occupied Friendly
Owner-occupied homes in Washington, Oregon, and Idaho qualify for our best terms.
Three Steps to Tap Your Equity
From choosing an option to accessing your funds, our team keeps every step simple.
Choose Your Option
Home Equity Loan for a one-time need, HELOC for ongoing flexibility.
Access Your Equity
Receive a lump sum at closing or draw from your line as you need it.
“ACU made our home buying process smooth and stress-free. Their mortgage team went above and beyond, and we closed on time with zero surprises.”
Home Equity FAQ
Answers to the questions members ask most about home equity loans and lines of credit. As of March 2025, five-year home equity loans averaged 6.84% at credit unions versus 7.41% at banks, and home equity lines of credit averaged 7.68% versus 8.08%, according to NCUA rate data.
Disclosures
Annual Percentage Rates, terms, and conditions offered are subject to change without notice. Limited to one-to-four family units. Property must be in the state of Washington, Oregon, or Idaho. Property insurance required. Values based on completion of a full property appraisal. ACU will pay the closing costs on new equity loan applications (Fixed-Rate Equity Loans and Home Equity Lines of Credit), including but not limited to flood determination fee, title search, credit report, property condition report, and recording fees. Should the loan be paid off and closed within 36 months from the anniversary date of the loan closing, the member is responsible to reimburse the full amount of the ACU-paid closing costs for the loan. APR = Annual Percentage Rate. Subject to credit and DTI approval. Membership required. America's Credit Union is a federally chartered credit union insured by the NCUA. NMLS #449181. Equal Housing Lender.
Your Equity, Ready When You Need It
Borrow up to 90% of your home's value with a fixed loan or a flexible line of credit, and let ACU cover the closing costs.