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Home Equity Loan Rates - What You Absolutely MUST Know Blog Feature

By: America's Credit Union on June 15th, 2018

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Home Equity Loan Rates - What You Absolutely MUST Know

Home & Mortgage Tips | Life

Just like restaurants, some lenders are better than others -- better customer service, better appetizers, better prices. At America's Credit Union, we pride ourselves on our friendly and experienced loan experts and on the solid value you'll find in all of our loans, home equity included. 

If you're shopping for a home equity loan, you've already experienced some type of financial need. Maybe you need a home addition to accommodate a new arrival, or maybe the cost of your child's education is bigger than you anticipated. But at America's Credit Union, you're family. We'll walk you through the application process step-by-step to make sure you understand every aspect, including your home equity loan rate. Here's what you need to know:

Your Credit Score Makes an Impact

A low credit score may not necessarily make it impossible to obtain a home equity loan, but it could affect your approval. Luckily, at America's Credit Union, we're willing to work with you to help you find the repayment option that works best for you. We offer flexible repayment terms of five to 20 years, no application fees, low closing costs and a low fixed rate that won't inflate over time. 

Fixed-Rate Loans at America’s Credit Union

America’s Credit Union offers fixed-rate options on home equity loans. This means the interest you pay remains the same for the life of the loan. As noted above, our flexible repayment terms give you options on the length of your loan, how much your payment will be, and, ultimately, how much interest you will pay.

Your loan officer at America's Credit Union will make sure you understand all your options before you sign on the dotted line so that you get the home equity loan that works for you. 


When you're ready to pursue a home equity loan, the capable associates at America's Credit Union are ready to assist you. With no penalties for early repayment and the ability to borrow up to a total of 80% of your home's value to suit your financial needs, you'll find a loan that does what it's supposed to do -- help you get the financial boost you need to improve your quality of life without draining your pockets.

At ACU, we service our own loans so you can work with the same ACU staff throughout the life of your loan. This means you can trust us to do right by you and your family as you work to take that next step forward in life. 

 Download our free eBook - The Complete Home Equity Loan Guide: All You Need to Know

Best Deals on Home Equity Loan Rates

A home equity loan is a solid tool for helping homeowners find the extra cash they need to cover major expenses such as credit card consolidation or college tuition. But just like any other major purchase, anyone shopping for a home equity loan needs to do their homework. Loan terms, interest rates and repayment options are all variables that should be considered before borrowing. 

At America's Credit Union, we offer strong incentives to those members of our community who are looking for a home equity loan, and we take care to make sure our loans are among the most competitive offers out there, especially when it comes to interest rates. If you're concerned about home equity loan rates, ACU can set your mind at ease. Here's what we have to offer:

Competitive Interest Rates

At America's Credit Union, we'll always do our best to get you the best possible home equity loan at the most affordable rate. 


Everyone's financial situation is different, and that's why at ACU we'll work with you to find flexible repayment options that fit your lifestyle. From the length of your loan to our low fixed rates and minimal closing costs, we'll find a loan that puts you in the driver's seat. Even if you’ve had credit glitches in the past, our loan committee considers you more than just a customer – you’re a member of the ACU family. We'll go that extra mile to do what we can to help get you over those financial hurdles that life puts in the way. 


No Application Fee

At America's Credit Union, we know you have no time for useless fees and unnecessary add-ons. That's why we offer a no-application-fee service on our home equity loans. Other financial institutions may charge application fees of $100 or more, treating your application as a privilege and not as an honor. But at ACU, we recognize the value in our loyal members, and we're happy to reward it. 

No Prepayment Penalties

If you take out a home equity loan with ACU, you can pay your loan off early without worrying about pre-payment penalties. We want your business and your loyalty, and we're not interested in finding tricky ways of taking more of your money.

So, when you're ready to begin looking for the best deal on home equity loan rates in Dallas Texas, start your search at America's Credit Union. We're friendly, flexible, and we want to see you get the financial boost you need to help you over life's occasional hump. Apply online today. 


For more tips on finding the best home equity loan rates, download our free eBook, "The Complete Home Equity Loan Guide: All You Need to Know."



Membership in America’s Credit Union is open to anyone who lives or works in Dallas, Rockwall or Collin Counties, Texas, and their family members. Employees of select employers may also be eligible. See our Membership page for details.