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Loan rates are based on each applicant’s credit history and may vary from those shown below and are also subject to underwriting guidelines. The rate you receive may vary based on your MemberPlus Relationship with us. Rates are subject to change without notice.
Forbearance Plan – Make reduced mortgage payments or no mortgage payments for a specific period of time. This option gives you time to improve your financial situation and possibly qualify for a better option than would be available right now. Designed with you in mind, our broad range of loan programs allows us to accommodate a wide array of members. Whether you're shopping for your very first home or looking to downsize now that the kids have all moved out, we have home financing options to fit almost anyone. Our most popular products are below, but these are not all we offer. To learn more about extended financing solutions, click here.
Home Equity Options
This option allows you to avoid foreclosure by bringing your mortgage current if you can show you have funds that will become available at a specific date in the future. If you’re a borrower struggling to make your mortgage payments we’re here to help. Click here to be redirected to our secure borrower login page to submit your payment online. Follow the instructions to log in and access your account information, then select “Make a Payment” from the drop-down menu. What drives us every day is supporting our customers through one of the largest financial transactions they will ever make, and we take that to heart.
Here, it’s never just business as usual. You’re not just a number and we’ll never treat you like one. Whether you’re interested in becoming one of our Credit Union Partners or thinking about financing your home with us, we have all of the information you need to make the best choice for your financial future. We are sorry, but your computer or network may be sending automated queries. To protect our site, we cannot process your request right now. If you are in need of enterprise level search, please consider signing up for a Bizapedia Pro Search account as described on this page.
Business Lending
An FHA loan is a mortgage loan issued by federally qualified lenders and backed by the Federal Housing Administration. Designed for low-to-moderate income borrowers who are unable to make a large down payment— they are typically more flexible in credit and income requirements than conventional loans. A fixed rate means steady, predictable monthly payments for the term of the loan. An ideal choice if you’re planning to live in your new home for many years to come. Current mortgage holders will need to re-enroll in e-statements online or through the mobile app by clicking on their mortgage and going to additional services.
This product is a flexible option for a project or series of improvements that don’t have fixed expenses. It offers a low variable interest rate, can be processed within 2 to 3 weeks, and your funds can be easily accessed at any time. Perfect for any home improvement project, this loan is secured against your home’s equity, offers a low fixed rate for the life of the loan, and can be processed within 4 to 5 weeks.
The benefits of a Home Loan with AmeriCU!
Consulting with a mortgage professional is the best way to determine the program right for you! To learn more about Renovation, click here. Discover why thousands of people make the switch to AmeriCU every year!
I would highly recommend them and their work. You're leaving the AmeriCU Mortgage website to complete an online mortgage application. Before starting the application process, you will need to create an account. Rates current as of 14th December 2022 and are subject to change without notice. AmeriCU offers our members some of the highest deposit rates, lowest loan rates, and best service around!
A great choice if you’re not sure how long you plan to own your home and are comfortable with a payment that can change over time. Our low rates and low fees aren’t the only reason thousands of people choose to borrow from AmeriCU every year. We make credit decisions locally, and our experienced staff is dedicated to working with you to do whatever we can to help you find the right loan with the right terms to meet your needs. Many of our loan decisions are made within an hour of application! We’re a member-owned credit union so we put our members first – and it shows in everything we do. If you're looking to lower your monthly payment, shorten your loan term or get cash out of your property for repairs or unexpected expenses, refinancing your mortgage is a great option.
Every person has their own story, so we don’t believe in a one-size-fits-all approach. We listen to you, we appreciate you, and we are committed to you. In an ever-changing, fast-paced industry—we understand how important it is to do more than just keep up. We use industry-leading technology and work closely with other experts in our industry to ensure a seamless home financing process.
We understand how overwhelming it can be to make ends meet. Our goal is to keep homeowners in their homes. That’s why we’ve developed programs specifically for borrowers facing financial hardship.
And with our MemberPlus program, you can get extra benefits from your membership! When it comes to managing your business, you need a financial partner eager to sit down and discuss the solutions that will help your business thrive. AmeriCU’s Commercial Loan Officers will help guide your business’s credit strategy with our wide range of commercial lending products.Learn more about business lending. Whether you’re buying, building or renovating, find the home that’s all you – then leave the rest to AmeriCU! We have several options for financing and will make sure that you find the home loan to buy, build, or create the perfect home. Reinstatement – Pay the total amount you owe in one lump sum payment by a specific date.
With the new system, current members will be assigned a new loan number for your mortgage. You should have received a letter in the mail in mid-March with your new loan number, but you may also find it by logging into Online + Mobile Banking. Apply for a conventional fixed rate mortgage today. Struggling with debt, need help budgeting or looking for more financial education, AmeriCU can help.
Please note statements will have a new look and will come from a new address. You will now also receive a statement each time you make a payment, versus once per month, for more accurate record-keeping and account management. If you’re planning to refinance, AmeriCU has two great options so you can choose which is right for you. A cash out refinance allows you to tap the equity in your home to consolidate debt, make home improvements, take a vacation, or pay for college. Rate and/or term refinance allows you to shorten your term to pay off your mortgage more quickly or at a lower rate. AmeriCU’s personal loan options offer a variety of rate and term options, both secured & unsecured, with quick, easy turnaround either online or at one of our many locations.
Whether you’re buying your first home or a new home, building the home of your dreams or refinancing, we have a program to fit your needs. Use your home’s equity to create the perfect space! With home values climbing, now is the time to use that equity to design your dream deck, dive into that pool project, map out your man cave, or even go on a much-needed vacation. AmeriCU has the perfect Home Equity loan option for every project and every budget. Owners who claim this profile can update information, boost SEO, and more.
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