Products

Mortgage Loans • Refinance

 
Mortgage Rate Terms Benefits

Fixed Rate

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  • 7-year
  • 10-year
  • 15-year
  • 20-year
  • 30-year
  • Best for home owners that plan to stay in their home for many years.
  • Interest rate and monthly payment remains stable for the length of the loan.
  • No pre-payment penalty.
  • Variety of terms available.
  • Loan amounts to $424,100.
  • View rate and payment example.

5/5 ARM

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  • 30-year adjustable
  • Initial fixed rate for five years
  • Rate adjusts every five years thereafter
  • Best for home owners who plan to stay in the property 10 years or less or seeking a loan amount above $424,100.
  • Lower monthly payments for the first five years.
  • No pre-payment penalty.
  • Loan amounts up to $1,000,000.
  • View rate and payment example.

Jumbo

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  • 7-year fixed
  • 10-year fixed
  • 15-year fixed
  • 5/5 adjustable
  • 15/15 adjustable
  • Best for home owners with a loan amount above $424,100 for a primary residence.
  • Allows you to purchase a more expensive property.
  • Loan amounts up to $1,000,000.
  • No pre-payment penalty.
  • View rate and payment example.

Mortgage Cash Out Refinance

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  • 7-year fixed
  • 10-year fixed
  • 15-year fixed
  • 15/15 adjustable
  • 20-year fixed
  • 30-year fixed
  • Best for home owners that currently have a higher interest rate on their mortgage and have already built equity in their home.
  • May be able to secure a lower interest rate based on market conditions.
  • Draw on your home's equity to afford home repairs, consolidate debt or pay for education.
  • Potentially shorten your mortgage term or replace one mortgage type with another.
  • View rate and payment example.

AmeriCU Government Loans

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  • Best for home owners looking to get one of the following government loans.
  • FHA
  • 203K
  • VA
  • RD (Rural Development)

 

Error Resolution And Information Request Policy Revision

The Consumer Financial Protection Bureau (CFPB) has revised their Error Resolution and Information Request Policy for members who would like to address an error with their mortgage or home equity loan account. Learn more.


 

Rates are subject to change based on market condition. Maximum 95% combined loan-to-value on limited cash-out refinance mortgage loans and purchase loans. Maximum 80% combined loan-to-value percentage on cash-out refinance mortgage loans. Offer available in the states of Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee. Terms may change at any time. NMLS #401922.

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