Put your home to work.

Home Equity

Whether it’s an emergency, a college fund or unexpected renovation, your four walls can fast-track you to a new credit line. A home equity line of credit (HELOC) or home equity loan can help you free up cash by borrowing against your property.

Home Equity Line of Credit (HELOC) img

Home Equity Line of Credit (HELOC)

Need cash yesterday?

There’s simply no easier way to put your home to work for you than with a Home Equity Line of Credit: It’s a ready source of cash you can access again and again.

  • Borrow up to 100% of the value of your home1 without incurring points, annual fees and with reduced closing costs2
  • $10,000 minimum loan amount
  • Variable rate based on The Wall Street Journal prime index
  • Line of credit you can use again and again
  • Interest-only payment option available
  • Receive a reduced rate when you finance the construction of an accessory dwelling unit (ADU)
  • Only available on properties located in Maryland, D.C., and Virginia
  • May offer tax advantages; consult your tax adviser
calendar icon Rates Effective: May 15, 2020
As Low As APR* Loan To Value (LTV)
As Low As APR* 3.75% Loan To Value (LTV) 80%
As Low As APR* 3.75% Loan To Value (LTV) 85%
As Low As APR* 4.00% Loan To Value (LTV) 90%
As Low As APR* 4.25% Loan To Value (LTV) 95%
As Low As APR* 4.25% Loan To Value (LTV) 100%

Home Equity Loan

Unlock your home’s value.

If you need all of your cash up front, home equity loans provide a one-time advance with all the money you’re looking to borrow at a low fixed rate.

  • Enjoy a fixed rate for the life of the loan
  • Tackle large home improvement projects and raise your home’s worth
  • Only available on properties located in Maryland, D.C., and Virginia
  • Receive a reduced rate when you finance the construction of an accessory dwelling unit (ADU)
  • May offer tax advantages; consult your tax adviser
Home Equity Loan img
calendar icon Rates Effective: May 15, 2020
Term As Low As APR* Loan To Value (LTV) Sample Monthly Payment for $10,000
Term 5 Year As Low As APR* 3.89% Loan To Value (LTV) 80% Sample Monthly Payment for $10,000 $183.67
Term 5 Year As Low As APR* 4.50% Loan To Value (LTV) 90% Sample Monthly Payment for $10,000 $186.43
Term 5 Year As Low As APR* 4.75% Loan To Value (LTV) 100% Sample Monthly Payment for $10,000 $187.57
Term 10 Year As Low As APR* 4.375% Loan To Value (LTV) 80% Sample Monthly Payment for $10,000 $103.04
Term 10 Year As Low As APR* 5.25% Loan To Value (LTV) 90% Sample Monthly Payment for $10,000 $107.29
Term 10 Year As Low As APR* 6.00% Loan To Value (LTV) 100% Sample Monthly Payment for $10,000 $111.02
Term 15 Year As Low As APR* 4.875% Loan To Value (LTV) 80% Sample Monthly Payment for $10,000 $78.43
Term 15 Year As Low As APR* 5.625% Loan To Value (LTV) 90% Sample Monthly Payment for $10,000 $82.37
Term 15 Year As Low As APR* 6.50% Loan To Value (LTV) 100% Sample Monthly Payment for $10,000 $87.11
Term 20 Year As Low As APR* 5.375% Loan To Value (LTV) 80% Sample Monthly Payment for $10,000 $68.08
Term 20 Year As Low As APR* 6.125% Loan To Value (LTV) 90% Sample Monthly Payment for $10,000 $72.37
Term 20 Year As Low As APR* 6.75% Loan To Value (LTV) 100% Sample Monthly Payment for $10,000 $76.04
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Accessory Dwelling Unit Financing

The key to expanding your property.

Effectively finance a loan for the construction of your rental property, ADU financing requires $0 down and offers rates .25% lower than standard equity products.

  • Must be approved by the applicable county
  • Only available in Maryland, D.C., and Virginia
Apply Now

Why Choose Arlington

As a full-service credit union, we’re a cooperative of members like you who know that by coming together, we can all benefit in our financial journey.

Financial Empowerment

We’re here to help our members—and neighbors—meet their financial goals and live their best lives.

Rewarding Experience

We think there’s nothing more rewarding than serving our members—and believe one good turn deserves another.

Utmost Integrity

We not only meet your financial needs, we commit to being a good neighbor and serving with integrity.

The Fine Print

1Maximum loan amount is $250,000 for LTV over 85.5%.

2All closing costs except mortgage taxes and recording fees will be paid by ACFCU. Range of closing costs between $700 and $1,600 based on a $100,000 equity loan. If HELOC is closed within three years, ACFCU will add any closing costs paid on member’s behalf to member’s outstanding balance.

*Annual Percentage Rate is variable and subject to change with Quarterly Interest Rate Adjustments. The APR will not exceed 18%. Exclusions and conditions apply. Interest charges apply only when you use the line. Property insurance required. Offer available only on owner-occupied, single-family, residential real property located in VA, MD, and D.C. ACFCU must obtain a valid first or second lien position on the collateral and all owners must sign the documents. All payments are applied to the lower balance first. All closing costs except mortgage taxes and recording fees will be paid by ACFCU. Range of closing costs between $700 and $1,600 based on a $100,000 equity loan.

Equal Housing Lender. NMLS# 477974. Loan and membership requirements apply. Federally insured by NCUA.

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