Home Improvement Loans

The ACU Home Improvement Loan is perfect for home improvements and repairs. Borrow up to $25,000 with terms up to 180 months, based on your credit-worthiness.

Common uses:

  • Air Conditioning
  • Roof Repair
  • Kitchen Remodel
  • Window Replacement
  • New Flooring
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Home Improvement Loans

12 - 60 Months

Estimated Payment Example
$225 a month for 60 months, $10,000 loan at 12.51%

61 - 120 Months

Estimated Payment Example
$157 a month for 120 months, $10,000 loan at 14.25%

121 - 180 Months

Estimated Payment Example
$350 a month for 180 months, $25,000 loan at 15.00%

APR = Annual Percentage Rate. Rates are effective as of 03/16/2022. Rates, terms and conditions are subject to change without notice. Property must be in WA state to qualify. Primary residence only. Mobile homes are excluded from this program.  All borrowers must have ownership interest and occupy the property. Max 2 borrowers. The rate may vary depending on credit history and underwriting factors. Other terms and conditions may apply. For more information, please contact our Member Representatives at 253-964-3113.

ACU Home Improvement Loans

Apply for a Loan Online

Loan Resources

Payment Options

Skip a Payment

If you have an ACU loan, you may be eligible to skip some payments and use the extra cash for unexpected bills or other expenses. Learn more about our Skip a Payment option.

Online Loan Payment Option

Register for our convenient online loan payment option, which costs just $12 per payment. All payments made prior to 6:00 p.m. PST will be processed on the same day.


Loan Protection

When you’re facing an unexpected life event, the last thing you need is added financial stress. That’s why we offer several loan protection options to help you pay or postpone your debt in case of a sudden setback. Our options include:

Member’s Choice Borrower Security*

This voluntary loan payment protection option offers relief from the financial burden of delinquency, default, or foreclosure in certain situations. ACU will cancel or reduce repayment of your loan debt if a protected life event happens to you as a borrower or co-borrower. Protected events include loss of life or disability (including those caused by acts of war) and involuntary unemployment.

*Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact ACU for a full explanation of the terms of Debt Protection.