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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)
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
Rates Effective: 5 月 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
Rates Effective: 5 月 15, 2020 | 术语 | As Low As APR* | Loan To Value (LTV) | Sample Monthly Payment for $10,000 |
|---|---|---|---|
| 术语 5 Year | As Low As APR* 3.89% | Loan To Value (LTV) 80% | Sample Monthly Payment for $10,000 $183.67 |
| 术语 5 Year | As Low As APR* 4.50% | Loan To Value (LTV) 90% | Sample Monthly Payment for $10,000 $186.43 |
| 术语 5 Year | As Low As APR* 4.75% | Loan To Value (LTV) 100% | Sample Monthly Payment for $10,000 $187.57 |
| 术语 10 Year | As Low As APR* 4.375% | Loan To Value (LTV) 80% | Sample Monthly Payment for $10,000 $103.04 |
| 术语 10 Year | As Low As APR* 5.25% | Loan To Value (LTV) 90% | Sample Monthly Payment for $10,000 $107.29 |
| 术语 10 Year | As Low As APR* 6.00% | Loan To Value (LTV) 100% | Sample Monthly Payment for $10,000 $111.02 |
| 术语 15 Year | As Low As APR* 4.875% | Loan To Value (LTV) 80% | Sample Monthly Payment for $10,000 $78.43 |
| 术语 15 Year | As Low As APR* 5.625% | Loan To Value (LTV) 90% | Sample Monthly Payment for $10,000 $82.37 |
| 术语 15 Year | As Low As APR* 6.50% | Loan To Value (LTV) 100% | Sample Monthly Payment for $10,000 $87.11 |
| 术语 20 Year | As Low As APR* 5.375% | Loan To Value (LTV) 80% | Sample Monthly Payment for $10,000 $68.08 |
| 术语 20 Year | As Low As APR* 6.125% | Loan To Value (LTV) 90% | Sample Monthly Payment for $10,000 $72.37 |
| 术语 20 Year | As Low As APR* 6.75% | Loan To Value (LTV) 100% | Sample Monthly Payment for $10,000 $76.04 |
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
为什么选择阿灵顿
作为一个提供全方位服务的信用社，我们是一个像您一样的会员的合作组织，我们知道，通过团结一致，我们都可以在我们的财务旅程中受益。
金融赋权
我们在这里帮助我们的会员和邻居实现他们的财务目标，过上最好的生活。
奖励体验
我们认为，没有什么比服务于我们的会员更有意义的了，并且相信一次好的转折值得另一次。
诚信至上
我们不仅满足您的金融需求，还承诺做您的好邻居，诚信服务。
细则
1Maximum loan amount is $250,000 for LTV over 85.5%.
2For HELOCs only, 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. 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.
Important: Email addresses are not a secure means of communication. Do not send personal information (account number, date of birth, social security number, inquiries about your account, or request changes to your account.)
On Sunday, April 18th from 7am - 1pm, the Mobile App, Online Banking, Bill Pay, and Access 24 will be unavailable due to routine maintenance. Please plan your banking needs accordingly. Thank you.
