Go to AFCU and get what you want, when you want it!

With an Agriculture FCU Home Equity Line of Credit, you have a flexible way to borrow, and with a variable rate of 3.25% APR^{1 2}, you’ll be in control.
We also offer fixed rate home equity loans with rates as low as 5.75% APR ². It’s your equity. Use it your way.

¹APR will vary based on the Wall Street Journal prime rate plus or minus a margin. The current prime rate is 3.25% as of 12/17/2008.
²APR = Annual Percentage Rate. Rate is effective 01/02/09 and may change at any time without advance notice. Flood and/or hazard insurance may be required. All loans are subject to credit approvals. Closing costs must be paid if loan remains open less than 24 months. Minimum amount is $10,000. Certain restrictions and conditions apply.
* Minimum loan advance is $10,000. If the loan is paid off within six months, the member will be responsible for the amount. Refinances on existing AFCU loans do not qualify.

If you're looking to purchase a home, refinance an existing mortgage or open a home equity line of credit, AFCU is your one stop mortgage services headquarters. AFCU offers low rate first mortgages, equity loans and home equity lines of credit with a variety of terms that give you the flexibility and opportunity to qualify for the home of your dreams. In addition to excellent rates, AFCU also offers members free assistance when purchasing or selling their home through CU Realty Services .

First Mortgages

AFCU offers first mortgages that allow you to purchase or refinance your existing mortgage at competitive rates. When you visit the AFCU first mortgage web page, you'll have access to a powerful resource that will allow you to learn more about the mortgage process, review loan options, check current rates, determine your mortgage qualification and apply online. You'll also find mortgage calculators and other useful information that will assist you in the first mortgage process.

AFCU First Mortgages offer...

• Conforming loans to $417,000
• Non-conforming jumbo loans to $2,000,000
• Fixed-rate loans up to 40 years
• Adjustable Rate Mortgages (Variable ARM) up to 10 years
• Interest Only Adjustable Rate Mortgages up to 7 years
• FHA and VA loans
• Fannie Mae expanded-approval and sub-prime loans
• No money down loans
• Rate Locks that allow you to lock into a specific rate for a property specific period of time
• Pre-approval process with quick loan approvals
• Geographic area restrictions apply to all AFCU mortgage products so please consult credit union.

Learn more about AFCU First Mortgages online or telephone the AFCU first mortgage department at 1.800.357.3729.

For a limited time, the credit union will be waiving a portion of the closing costs for members applying for an Agriculture FCU first mortgage up to 15 years and first mortgage adjustable rate mortgages (ARMs) of any term. The fees that will be waived are;

Plus...we'll be offering a 90 day rate lock on the interest rate.

Agriculture FCU covers applicable fees only if the loan is closed. Otherwise, all third-party fees incurred will revert to and become the responsibility of the applicant. Fees not covered include, but are not limited to, title insurance premium; government recording fees; survey or pest inspection costs; and initial escrow deposits.

Individuals applying for the mortgage offer will need to enter a promotion code (AFCU) to receive the offer. The promotion code is prominently displayed on the web page where it needs to be entered.

*Offer valid 01/01/08 and may end at any time without advance notice. Offer applies only to fixed rate first mortgages of 15 years or less, and to any currently offered adjustable rate first mortgage. Agriculture FCU covers applicable fees only if the loan is closed. Otherwise, all third-party fees incurred will revert to and become the responsibility of the applicant. Fees not covered include, but are not limited to, title insurance premium; government recording fees; survey or pest inspection costs; and initial escrow deposits. Other terms and conditions may apply.

Equity Loans

With today's appreciating real estate values, many members have built substantial equity in their homes. And to take advantage of the equity you've built, AFCU offers equity loans that will allow you to borrow money for the things you need...home remodeling, education, bill consolidation or for whatever you need. Our fixed rate equity loans have flexible terms up to 15 years so you choose the term that best fits your budget and lifestyle. Plus, you may be able to deduct all or a portion of the interest you pay from your taxable income**.

AFCU Equity Loans offer...

• Financing up to 90% loan to value
• Fixed-rate loans up to 15 years
• Predictable monthly payments that stay the same throughout the loan
• One convenient lump sum disbursement
• Fast, professional, and knowledgeable service
• Available on primary residences
• No closing costs†

Learn more about AFCU Home Equity Loans >>

Home Equity Lines of Credit

Taking advantage of the equity in your home is a smart move when opening an AFCU home equity line of credit (HELOC). Our HELOCs give you the flexibility to draw money, up to your credit limit, whenever you need the funds. The possibilities are endless...remodel home, education or medical expenses, vehicle purchases or just to have the funds available for a "rainy day". Whatever your need, an AFCU HELOC gives you the flexibility to do what you want, whenever you want.

• Variable interest rate
• Have funds available, up to your credit limit, any time you need money
• No closing costs†
• Borrow up to 90% of your home's value, less your first mortgage balance
• Credit lines up to $400,000
• Have access to advances through AFCU online, A.R.T. (Automated Response Teller) or writing yourself a check
• Interest may be tax deductible** - please consult your tax advisor for your particular situation
• Available on primary residences

Learn more about AFCU Home Equity Lines of Credit >>

* The property must be owner-occupied. The credit union does not grant home equity loans on properties classified as a condominium.

** As individual tax situations vary, contact your tax professional to determine your tax liability.

† Closing costs must be paid if loan remains open for less than 24 months.

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