Home Loans

All mortgage loans are subject to credit approval. Rate may vary depending on credit history and underwriting factors. All loan programs, rates, terms and conditions are subject to change at any time without notice. *Until further notice, the Credit Union is not offering first mortgage loans in the following states: Arizona, California, Delaware, Idaho, Louisiana, New Jersey, New Mexico, New York, Nevada, Texas, Washington and Wisconsin. VA loans require the borrower to have VA eligibility. Not all VA programs qualify for 100% financing. **Intangible taxes in Georgia are calculated at a rate of $3.00 per thousand based on the loan amount. ***Maximum financing is 80%. Flexible terms are available.

HELOCs—Rates adjust quarterly based on the published Wall Street Journal Prime Rate as of the last day of each quarter. HELOC’s carry a minimum rate of 4.0% and a maximum rate of 18%. Note: Texas properties are limited to 80% of the available equity. Other restrictions apply to Texas properties. Please call for more details.

Jumbo Loans—Rates are subject to change based on market conditions. Subject property must be your primary residence. Minimum representative credit score of 680 required. Maximum 80% combined loan to value on fixed rate purchase jumbo mortgage loans. Minimum loan amount is the conventional loan limit and the maximum loan amount is $1,000,000. Offer available in the states of Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee. Terms may change at any time and some restrictions may apply. We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act. NMLS #401922.

15/15 ARM—*Payment example: $450,000 loan at 5.125% APR** for 180 months, monthly payments of approximately $2,450.19 each. Go to acuonline.org/15 for more details. Offer available for purchase and refinance transactions in Georgia, Florida, North Carolina, South Carolina, Alabama, and Tennessee residents. Some restrictions may apply. Property must be a single-family primary residence, and the borrower must have a debt-to-income ratio of 45% or less and a minimum representative credit score of 700 or higher. The minimum loan amount is $75,000 and the maximum loan amount is $2,000,000. The maximum loan-to-value ratio is 90% for a purchase transaction on a primary residence at the conventional loan limit or less and 80% for a purchase transaction with a jumbo loan amount. If you are buying your first primary residence, then the maximum loan to value ratio is 95%. The maximum loan-to-value ratio is 90% for a limited cash-out refinance transaction on a primary residence at the conventional loan limit or less and 80% for a limited cash-out refinance transaction with a jumbo loan amount. The maximum loan-to-value ratio is 60% for a cash-out refinance transaction on a primary residence with a conventional loan amount or a jumbo loan amount. The maximum loan-to-value ratio on a second home or investment property residence is 75% for purchase and limited cash-out refinance transactions and 60% for a cash-out refinance transaction. Restrictions apply. At the end of the 15th year, the interest rate adjustment will be no more than 6% up or down with a floor rate of 2.500% and a maximum rate of 18%. The adjusted interest rate will be equal to the 10 Years U.S. Department of the Treasury Constant Maturity plus a 1.25% margin, rounded up to the nearest one eighth. Actual payments will vary based on the borrower’s situation and current rates. Associated Credit Union assumes (unless otherwise noted) the borrower costs include: $75 application fee for refinance loan applications (no application fee for purchase applications), 1% origination fee ($6,200 maximum), $600 – $1,200 appraisal fee(s), $99 processing fee, $20 wire fee, attorneys fees, lenders title insurance, recording fees, title exam fees, termite letter inspections, prepaid interest, escrow reserves, post-closing fee, closing protection letter fee, monthly mortgage insurance premium (if the loan-to-value ratio is more than 80%), Georgia Residential Mortgage Act fee (if property is located in Georgia), applicable state or local taxes and fees, and applicable septic and/or well inspection reports. Other charges or fees may apply. Associated Credit Union will pay the credit report fee, real estate tracking service fee, and flood certificate fee. Payment example: On a $450,000 15/15 Adjustable-Rate Mortgage on a primary residence with an initial rate of 5.125% (5.283% APR), the interest rate can rise 6 (six) percentage points to 11.125%, at the one adjustment during the life of the loan, and the monthly payment can increase from a $2,450.19 first year payment to a $3,516.96 maximum payment starting in the 16th payment year. Payments shown do not include taxes and insurance; actual payments may be greater. APR = annual percentage rate. All rates and offers are as of December 1, 2025, and are subject to change without notice. Restrictions apply. Mortgage rates are subject to change. We do business in accordance with the Federal Fair Housing Law and Equal Housing Opportunity Act. NMLS #401922