Because you need your home's equity to work for you, we're with you.

Your home is your largest asset, so a Home Equity Line of Credit or fixed term loan may be the perfect way to tap into its potential. We'll listen and provide options to use the equity you've built to pay for home renovations and improvements, college expenses, debt consolidation, and more.

A smart way to get cash for life's needs.

  • Borrow up to 100% of the value of your home1

  • No closing costs2

  • No points or annual fees*

  • Minimum loan amount is $10,000

  • Instant and convenient online access

  • Interest may be tax-deductible (consult with your tax advisor)

  • Only available on properties located in Maryland, DC, and Virginia

  • Receive a reduced rate on an Equity Loan or Line when you finance the construction of an Accessory Dwelling Unit (ADU)

Our experts will help you find the loan option that's right for you.

Home Equity Line of Credit

  • Line of credit you can use again and again

  • Interest only payment option available

  • Variable rate based on Wall Street Journal Prime Index

Home Equity Loan

  • One time advance of funds

  • Fixed rate for life of the loan

We're with you when and where you need us. To get started:

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 $1600 based on a $100,000 equity loan. If HELOC is closed within 3 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-famly, residential real property located in VA, MD, and DC. 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.

Loan and membership requirements apply. Federally insured by NCUA.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS# 477974

For current APRs and payment examples visit our Rates Page.

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