Find a Great Loan Rate

Loan Credit Card Home Equity Mortgage
APR*
New Vehicle Loans 2.75%
Used Vehicle Loans 3.00%
Smart Line of Credit 9.75%

*Annual Percentage Rate (APR)

APR*
Platinum VISA Tier 1 7.90%
Platinum VISA Tier 2 (Formerly Gold) 10.90%
Platinum VISA Tier 3 (Formerly Classic) 13.90%

*Annual Percentage Rate (APR)

Term APR*
Home Equity Installment Loan 60 months 2.50%
Home Equity Installment Loan 60 months 4.25%
Home Equity Installment Loan 120 months 2.75%

*Annual Percentage Rate (APR)

APR*
30 Year Fixed Rate Conventional 3.867%
15 Year Fixed Rate Conventional 3.289%

*Annual Percentage Rate (APR)

AmeriCU Home Equity Special

Let's begin...together!

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) - 

Apply here>>

Home Equity Line of Credit (Variable Rate) -

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!

Please review our downloadable checklist of the items that are needed to submit an application for a Home Equity Loan (or Line of Credit).

Upon receiving a completed application and required documentation, we will order a Credit Report and our loan application. Although we would be pleased to accept your supporting documentation and 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 supporting documentation and application by mail to:

AmeriCU Credit Union
Home Equity Loan Department
231 Hill Road
Rome, NY 13441

Questions? 

Check out our FAQ page!  Not sure if you need a loan or a line? If you have any other questions about the Home Equity loan approval process, please call our Member Service Center at 800.388.2000.

* 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.

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