If you’re a homeowner, you can borrow against the equity you’ve built up in your home for a variety of financing needs. AmeriCU offers both Home Equity Lines of Credit and Home Equity Loans at rates starting at 2.50% APR* and no closing costs! Plus, the interest you pay on Home Equity financing may be tax-deductible. (Check with your tax advisor.)
Home Equity Installment Loan (Closed End/Fixed Rate) -
Home Equity Line of Credit (Variable Rate) -
- Current member? Login to online banking from our home page.
- Current member without online banking? Learn how to sign up or apply here.
- Not a member? Not a problem! Apply here>>
- Call 800.388.2000 Monday-Friday, 9 AM to 5 PM.
- Complete our printable loan application & stop by any of our conveniently located offices.
For additional instructions on how to apply for a loan through online banking, please click here.
Thank you for your interest in AmeriCU's Home Equity products!
Upon receiving a completed application, we will order a Credit Report and begin the review of your loan application. Although we would be pleased to accept your application by mail (see below), or online (above), we suggest that you visit one of our convenient offices so that we may expedite your Home Equity Loan or Line of Credit application. You may submit your application by mail to:
AmeriCU Credit Union
Home Equity Loan Department
231 Hill Road
Rome, NY 13441
* APR = Annual Percentage Rate. Special promotional rate effective 2/1/15; rates and terms vary by individual's overall credit history and underwriting factors and are subject to change. Estimated monthly payment of $177.47 per $10,000.00 based on maximum 60 month term. Equal Housing Lender. Membership restrictions apply.