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Whether it's an emergency, a college fund or an unexpected renovation, your four walls can give you quick access to new credit lines。A home equity line of credit (HELOC) or home equity loan can help you free up cash by borrowing your property。
Home equity loan
Release the value of your home。
If you need all the cash up front, home equity loans offer a one-time down payment to borrow all the money you want at a low fixed rate。
- Enjoy a fixed interest rate for the duration of the loan
- Handle major home renovation projects to increase your home's value
- It only applies to properties in Maryland, Washington, D.C. and Virginia。
- You can get a favorable rate of interest when you finance a new project。 Attached Residential Unit (ADU)
- 可能提供税收优惠；咨询你的税务顾问
Rate effective: January 14, 2022| 术语 | Low APR *。 | Loans and Value (LTV) | Sample monthly payment of $10,000 |
|---|---|---|---|
| 术语 10年 | Low APR *。 4.000% | Loans and Value (LTV) 80% | Sample monthly payment of $10,000 $101 |
| 术语 10年 | Low APR *。 4.750% | Loans and Value (LTV) 90% | Sample monthly payment of $10,000 $104 |
| 术语 10年 | Low APR *。 5.250% | Loans and Value (LTV) 100% | Sample monthly payment of $10,000 $107 |
| 术语 15年 | Low APR *。 4.375% | Loans and Value (LTV) 80% | Sample monthly payment of $10,000 $75 |
| 术语 15年 | Low APR *。 5.125% | Loans and Value (LTV) 90% | Sample monthly payment of $10,000 $79 |
| 术语 15年 | Low APR *。 5.625% | Loans and Value (LTV) 100% | Sample monthly payment of $10,000 $82 |
| 术语 20年 | Low APR *。 4.625% | Loans and Value (LTV) 80% | Sample monthly payment of $10,000 $63 |
| 术语 20年 | Low APR *。 5.375% | Loans and Value (LTV) 90% | Sample monthly payment of $10,000 $68 |
| 术语 20年 | Low APR *。 5.875% | Loans and Value (LTV) 100% | Sample monthly payment of $10,000 $70 |
Home equity line of credit (HELOC)
Did you need cash yesterday？
There's no easier way to make your home work for you than a home equity line of credit: it's a ready source of cash you can use over and over again。
- You can borrow up to 100% of the value of your home1 No points, no annual fees and no reduced closing costs2
- $10,000 minimum loan amount
- Variable interest rate based on Wall Street Journal The primary index
- A line of credit you can use over and over again
- An interest-only payment option is available
- You can get a favorable rate of interest when you finance a new project。 Attached Residential Unit (ADU)
- It only applies to properties in Maryland, Washington, D.C. and Virginia。
- 可能提供税收优惠；咨询你的税务顾问
Rate effective: April 1, 2022 | Low APR *。 | Loans and Value (LTV) |
|---|---|
| Low APR *。 3.25% | Loans and Value (LTV) 80% |
| Low APR *。 4.00% | Loans and Value (LTV) 85% |
| Low APR *。 4.25% | Loans and Value (LTV) 90% |
| Low APR *。 4.50% | Loans and Value (LTV) 95% |
| Low APR *。 4.50% | Loans and Value (LTV) 100% |
Ancillary residential unit financing
The key to expanding your estate。
To effectively finance your rental property construction, ADU financing requires a $0 down payment and offers 0 less than standard equity products.25% of the interest rate。
- Must be approved by the applicable county
- Available only in Maryland, the District of Columbia and Virginia。
Learn more today。
Tell us a little bit about you and your real estate financing needs。We will reach out to you and tell you how we can help。
Why Arlington
As a full service credit union, we are a cooperative organization of members like you, and we know that by working together we can all benefit in our financial journey。
The financial empowerment
We are here to help our members and neighbors achieve their financial goals and live their best lives。
Rewarding experience
We believe that there is nothing more meaningful than serving our members and believing that one good change is worth another。
The good faith is supreme
We not only meet your financial needs, but also promise to be your good neighbor and honest service。
细则
1The maximum loan is $300,000 and the interest rate is 95 percent or higher。
2For HELOCs only, all transfer fees, except mortgage taxes and recording fees, will be paid by ACFCU。Transfer fees range from $700 to $1,600 for an equity loan of $100,000。If HELOC closes within three years, ACFCU will add any transfer fees paid for members to the member's outstanding balance。
* The annual interest rate is variable and may change with quarterly rate adjustments。The annual interest rate will not be lower than 3.75% and not more than 18%。Inapplicable circumstances and conditions apply。Interest charges apply only when you use the line。You need property insurance。The offer applies only to self-use, single-family residential properties located in Virginia, Maryland and Washington, D.C.。ACFCU must obtain a valid first or second lien on the collateral, and all owners must sign the document。All payments are applied to the lower balance first。All transfer fees, except mortgage taxes and recording fees, will be paid by ACFCU。Closing fees range from $700 to $1,600 based on an equity loan of $100,000。
Equal housing lender。Loans and membership requirements。Loan and membership requirements apply。Federal insurance is provided by NCUA。
Important: Email addresses are not a secure means of communication。Don't send personal information (account number, date of birth, Social Security number, queries about your account, or requests to change your account。
