Find Your Way Home
From first-time buyers to seasoned homeowners, ACU's mortgage team delivers competitive rates, deep expertise, and a personal touch for members nationwide.
Find the Right Loan for You
From fixed-rate mortgages to flexible ARM and zero-down options, there is a program built for your situation. As of March 2025, credit unions averaged 6.68% on 30-year fixed mortgages versus 6.81% at banks, according to NCUA rate data. Start where you see yourself below.
Conventional Fixed
The classic mortgage with predictable payments and rate security for the life of the loan.
- 10, 15, 20, 30 year terms
- Down payment as low as 3%
- PMI available for qualified buyers
Pure Plus ARM (Zero Down)
First-time-buyer friendly with no down payment required and no PMI. 100% financing.
- 100% LTV, 0% down
- No PMI
- 5-year fixed then adjusts every 5 years
5/5 ARM
A lower initial rate with a 5-year fixed period, then adjustable every 5 years.
- 30-year term
- As low as 3% down with PMI
- Lower initial interest rate
VA Loans
For veterans and active military. Zero down payment and no PMI.
- 15 or 30 year terms
- 0% down, no PMI
- Veterans and active military
FHA Loans
Ideal for buyers with limited cash or minor credit concerns.
- 15 or 30 year terms
- As low as 3.5% down
- Flexible credit requirements
Jumbo Loans
For high-value properties up to $2 million, with fixed or ARM options.
- Fixed or 5/5 ARM
- Up to $2,000,000
- 80% LTV, 15/20/30 year terms
Tap Into Your Home's Equity
Put the value you have built to work for renovations, debt consolidation, or a major purchase. Choose a Home Equity Loan for a fixed lump sum, or a HELOC for flexible access to funds as you need them.
- Home Equity Loan and HELOC options
- Bridge Loans to move between homes with confidence
What Could Your Payment Look Like?
Try the numbers before you talk to anyone. These estimates are for education only - your Home Loan Consultant will walk you through the real thing.
Fixed-Rate Mortgage Calculator
Estimate a monthly payment on a conventional fixed-rate mortgage, including taxes and insurance.
VA Loan Calculator
Estimate a VA loan payment with zero down, including the VA funding fee financed into the loan.
These calculators are for education and illustration only. They are not a loan application, rate quote, offer, or commitment to lend, and results are estimates that exclude PMI where applicable. The fixed-rate calculator estimates an initial fixed payment only; it does not show how an adjustable-rate (ARM) payment can change or include FHA mortgage insurance premiums. Interest rates shown are editable examples, not ACU rates - see current rates and fees or talk with a Home Loan Consultant. VA funding fee percentages follow the published VA schedule (first use with less than 5 percent down: 2.15 percent; subsequent use: 3.3 percent; 1.5 percent with 5 to 9.99 percent down and 1.25 percent with 10 percent or more down); verify your fee and exemption status at va.gov. All loans subject to credit approval. NMLS #449181. Equal Housing Lender.
Home Lending, Done Right
Member-owned means your mortgage stays personal. That difference shows up in every rate quote and every phone call.
Dedicated Mortgage Experts
Our team makes decisions in-house and stays with your loan personally, from the first call to closing day.
Competitive Rates
As a not-for-profit credit union, ACU returns value to members through competitive mortgage pricing across every loan program.
Zero-Down Options
VA loans and the Pure Plus ARM offer 100% financing with no down payment and no PMI, putting homeownership within closer reach.
One Point of Contact
From application to closing, you work with one named mortgage consultant who knows your file, not a rotating call center.
Members Nationwide
Rooted in the Pacific Northwest since 1954 and lending to members across the country, with guidance grounded in your goals.
Serving Members Since 1954
ACU has helped members finance homes for more than 70 years. Your mortgage is backed by a credit union built for the long term.
How to Get Started
Three straightforward steps from first question to a set of house keys.
Get Pre-Approved
Apply online or call the mortgage team, and we tell you what you can borrow so you know your budget before you shop.
Find Your Home
Shop with confidence knowing your budget, backed by a dedicated team that understands what your loan needs to do.
Close With One Team
From application to closing, you have one named point of contact guiding every step so there are no surprises.
Your Current Mortgage Loan
To view your statements and tax forms, review your loan, or make a payment, visit your mortgage service center. HELOCs and 2nd mortgages are serviced in your normal ACU online banking.
Your ACU Mortgage
Statements and tax forms, your loan details, and payments, all in the mortgage service center.
Visit the Mortgage Service CenterHELOCs and 2nd Mortgages
Home equity lines and second mortgages are serviced in your ACU online banking, the same place as your other ACU accounts.
Log In to Online Banking“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. Truly member-first banking.”
Mortgage FAQ
Answers to the questions our home loan members ask most often.
Related Mortgage Pages
Let's Find Your Way Home
Talk with a dedicated mortgage expert who stays with you to closing. Get pre-approved and shop with confidence.
Disclosures
All loans subject to credit approval. Rates, terms, and programs subject to change without notice and vary by creditworthiness, loan type, and property. PMI required on some programs. Property insurance required. Membership required. America's Credit Union is a federally chartered credit union insured by the NCUA. NMLS #449181. Equal Housing Lender.