Make the Northwest Home With an ACU Home Loan
When it is time to put down roots, talk to people who put members first. Wherever home is, ACU offers competitive mortgage options with a named loan officer beside you from application to closing.
Find the Program That Fits Your Goal
Every path to homeownership looks different. Start with what you are trying to do, then talk with a dedicated loan officer about the details.
Buying Your First Home
The 5/5 ARM Pure Plus offers up to 100% LTV, built for first-time buyers without a traditional down payment.
See the optionsRefinancing Your Loan
Our loan officers help you get a better deal to make your Northwest dream more affordable.
See the optionsTapping Home Equity
Owner and non-owner-occupied home equity fixed loans and lines of credit for large or ongoing expenses.
See the optionsRate Options at a Glance
Rates change with the market. For today's rates and a personalized quote, contact our mortgage team or start your application.
| Program | Structure | Rate |
|---|---|---|
| Conventional Fixed Rate Mortgage | 30, 20, or 15-Year Fixed | Contact for current rate |
| First-Time Homebuyer, 5/5 ARM Pure Plus | Up to 100% LTV | Contact for current rate |
| Jumbo 5/5 ARM | Up to 80% LTV | Contact for current rate |
| Raw Land 5/5 ARM | Up to 75% LTV | Contact for current rate |
| Jumbo Fixed Rate | Up to 80% LTV | Contact for current rate |
| VA Loan | VA-backed home financing | Contact for current rate |
| Program | Structure | Rate |
|---|---|---|
| Home Equity Fixed | Fixed-rate lump sum | Contact for current rate |
| Home Equity Line of Credit | Variable-rate, borrow as needed | Contact for current rate |
| Program | Structure | Rate |
|---|---|---|
| Home Equity Fixed | Fixed-rate lump sum | Contact for current rate |
| Home Equity Line of Credit | Variable-rate, borrow as needed | Contact for current rate |
A Better Deal on the Home You Already Love
Need help refinancing? Our experienced loan officers will make sure you get a better deal to make your Northwest dream more affordable. It all starts with membership, because at ACU it pays to belong.
- Named loan officers who stay with your loan to closing
- Purchase or refinance across WA, OR, and ID
- Membership that pays to belong
Contact an ACU Mortgage Expert
Real People, Competitive Options
A home loan is a long relationship. Choose a lender that knows your market and answers the phone.
Competitive Rates
ACU offers competitive mortgage options priced for the market you are buying in.
Zero and Low Down Options
The 5/5 ARM Pure Plus reaches up to 100% LTV, so first-time buyers can start without a traditional down payment.
Purchase or Refinance
Whether you are buying your first home or refinancing, ACU has a program to fit your goals.
WA OR ID Lending
ACU serves members nationwide from its Pacific Northwest home base.
Deep Mortgage Knowledge
Our team brings decades of first-hand lending experience to every loan.
Membership That Pays
Your home loan starts with membership, because at ACU it pays to belong.
Three Steps to Your Home Loan
You do not need to know every program by heart. You just need to know your goal. We handle the rest.
Explore Your Options
Review the mortgage and home equity programs that fit your goals.
Get Your Rate
Contact a dedicated loan officer or start your application for current rates and a personalized quote.
Lock and Close
Lock your rate and let your ACU team guide you to closing.
“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.”
Mortgage Rates and Fees FAQ
Answers to the questions members ask most about ACU mortgage and home equity programs. In a FairPriceCheck analysis of 2025 HMDA filings, median total loan costs ran $6,874 at Rocket Mortgage and $7,516 at Movement Mortgage against a national median of $6,680, and credit unions typically post the lowest closing costs of any lender type.
Disclosures
Rates, terms, and programs are subject to change without notice and vary by creditworthiness, loan type, LTV, occupancy, and property. Rates shown are described by structure only; contact ACU for current rates and a personalized quote. Property insurance required. Membership required. America's Credit Union is a federally chartered credit union insured by the NCUA. NMLS #449181. Equal Housing Lender.
Your Northwest Home Starts Here
Talk with a dedicated loan officer for today's rates, or start your application in minutes.