Designed specifically for home improvement projects only, this loan offers a low fixed rate for a fixed term and can be closed in 2 to 4 weeks.
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 closed in 2 to 3 weeks, and your funds can be easily accessed at any time.
Perfect for any home improvement project, debt consolidation, college expense or vacation, this loan offers a low fixed rate for the life of the loan, and can be closed in 2 to 4 weeks.
Get the coverage you need to protect what matters most to you with ACUShield Debt Protection from AmeriCU.
Loan ProtectionMemberPlus is AmeriCU’s Relationship Pricing program that lets you use the power of your AmeriCU relationship to enjoy enhanced loan and Share Certificate rates and earn ATM rebates.
Powered by Visa®, AmeriCU cardholders enjoy competitively low rates, no annual fee, and some pretty great benefits.
Life, Terminal illness, Accidental Dismemberment, Hospitalization, Family Medical Leave, Loss of Life of a Dependent, Disability, or Involuntary Unemployment Claim? We are here to help!
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AmeriCU Credit Union is excited to announce its support of Zoo New York’s Mobile to bring the wonders of the animal kingdom directly to our community. The Zoo Mobile offers a wide variety of educational experiences that allow the zoo to come to you.
Each year AmeriCU is a proud supporter of the $100,000 Miracle Drawing to benefit CMN Hospitals at MVHS which helps sick and injured children in our community.
Your credit can have a big impact on your financial life. Credit scores and reports provide a snapshot of the financial habits that financial institutions, cell phone companies, credit card companies, and others use to get a sense of your creditworthiness.
1st lien- Home Equity Loan
*APR = Annual Percentage Rate. Loan rates and terms are based on each applicant’s credit history and underwriting guidelines, are subject to change without notice, and may vary from those shown. Applications are subject to credit approval. Rates are based on a combined loan-to-value (CLTV) up to 80% The rate you receive may vary based on your MemberPlus Relationship with us. 1st Lien or Home Equity loans are secured by a loan on property. If the loan is closed within 3 years, the member must reimburse closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements. Fees can range from $234 to $3,700. Equal Housing Lender. Insured by NCUA. Membership restrictions apply.
2nd lien- Home Equity loan
*APR = Annual Percentage Rate. Loan rates and terms are based on each applicant’s credit history and underwriting guidelines, are subject to change without notice, and may vary from those shown. Applications are subject to credit approval. Rates are based on a combined loan-to-value (CLTV) up to 100% The rate you receive may vary based on your MemberPlus Relationship with us. 2nd Lien or Home Equity loans are secured by a loan on property. If the loan is closed within 3 years, the member must reimburse closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements. Fees can range from $234 to $3,700. Equal Housing Lender. Insured by NCUA. Membership restrictions apply.
Home Equity Line of Credit
**APR = Annual Percentage Rate. Rates and terms are subject to change without notice. Minimum line of credit is $7,500. The introductory rate is available on Home Equity Lines of Credit with a combined loan-to-value ratio, less first mortgage, of no more than 80%. After first 6 months, the variable APR may vary monthly based on the Prime Rate published in the Wall Street Journal and may be subject to change thereafter in accordance with the line of credit documents, not to exceed 15% APR. Applications are subject to credit approval. Rates and terms are determined by overall credit history, combined loan-to-value and term of loan, and are subject to change without notice. Up to 100% CLTV: The advertised rate is available on Home Equity Lines of Credit with a combined loan-to-value ratio, less first mortgage, of no more than 100%. The variable rate APR would be equal to the Prime Rate, and may increase or decrease but not to exceed 15.00% APR. If the loan is closed within 3 years, the member must reimburse closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements. Fees can range from $234 to $3,700. A Home Equity Line of Credit is secured by a lien on real property. Property insurance is required to open a Home Equity Line of Credit. Product not eligible for MemberPlus relationship pricing. Equal Housing Lender. Insured by NCUA. Membership restrictions apply.
Home Equity Plus loan – 2nd lien
***APR = Annual Percentage Rate. Loan rates and terms are based on each applicant’s credit history and underwriting guidelines, are subject to change without notice, and may vary from those shown. Applications are subject to credit approval. Rates are based on a combined loan-to-value (CLTV) up to 133%. The rate you receive may vary based on your MemberPlus Relationship with us. A typical Home Equity Plus Loan of $10,000 at 7.25% APR would have 60 monthly payments of $199.25 each month, with total repayment of $11,954.33. 2nd Lien or Home Equity loans are secured by a loan on property. If the loan is closed within 3 years, the member must reimburse closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements. Fees can range from $234 to $3,700. Cannot be combined with certain types of active AmeriCU home equity or home improvement loans – call 800.388.2000 for details. Equal Housing Lender. Insured by NCUA. Membership eligibility is required.