Fixed Rate Mortgages

First Mortgage rates below are based on $175,000 loan amount and purchase transaction. Second Mortgage rates below are based on $20,000 loan amount. For rate information on a 30 Year Fixed Mortgage, please contact our loan department at 888.817.2002.

10 Year Fixed, First Mortgage

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Rate

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APR

80%
Loan to Value %

.50%
Origination %

15 Year Fixed, First Mortgage

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Rate

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APR

80%
Loan to Value %

.50%
Origination %

10-Year Fixed, Second Mortgage

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Rate

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APR

100%
Loan to Value %

.50%
Origination %

Adjustable Rate Mortgages (ARM)

Mortgage Rates below are based on $175,000 loan amount and purchase transaction.

3/1 ARM, First Mortgage

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Rate

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APR

80%
Loan to Value %

0%
Origination %

5/1 ARM, First Mortgage

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Rate

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APR

80%
Loan to Value %

0%
Origination %

5/5 ARM, First Mortgage

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Rate

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APR

80%
Loan to Value %

0%
Origination %

7/1 ARM, First Mortgage

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Rate

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APR

80%
Loan to Value %

0%
Origination %

10/1 ARM, First Mortgage

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Rate

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APR

80%
Loan to Value %

.50%
Origination %

Home Equity Line of Credit (HELOC)

Home Equity Line of Credit (HELOC)

80%
Loan to Value %

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Rate

90%
Loan to Value %

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Rate

Subdivision Lots

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Rate

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APR

75%
Loan to Value %

.50%
Origination %

Land Loans Up To 20 Acres

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Rate

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APR

70%
Loan to Value %

.50%
Origination %

Please call for APR Rates by product. The above rates are for reference only and are subject to change for better or worse, depending on market conditions. 

*HOME EQUITY LINE OF CREDIT. Rate: APR may vary in relation to an index. Rate will change each quarter (January 1, April 1, July 1, and October 1) based on the prior quarter's average 13-Week Treasury Bill, plus a margin of 3.4 percentage points for 80% value loans, or 4.4 percentage points for 90% value loans. Minimum payment: 1.25% of loan advance for 80% value loans, or 1.5% of loan advance for 90% value loans. If a balance remains on the maturity date, a balloon payment will result. Borrower agrees to repay closing costs paid by Alabama Credit Union if loan balance falls below $5,000 within 24 months after opening. Loans made on primary residence only. Consult a tax advisor regarding deductibility of interest. Offer applies to new Home Equity Line of Credit loans only; existing loans excluded.