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Rates as low as
5.24% APR.*

Fixed Rate Home Equity Loan.

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Home Equity Loan

  • Borrow up to 85% of your home's equity with fixed rates as low as 5.24% APR* for predictable monthly payments

  • Additional competitive rate options are available to borrow up to 100% of your home's equity.

  • Flexible terms to fit your timeline and budget

  • Fast, local decisions from lending experts who
    understand your goals

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Home Equity Line of Credit (HELOC)

  • Revolving credit line you can draw from as needed

  • Variable rate, as low as 6.75% APR,* for maximum flexibility

  • Borrow up to 80% of your home’s equity

  • Ideal for long-term projects or unpredictable
    expenses

Smart Uses for Home Equity

 A Home Equity Loan or Home Equity Line of Credit (HELOC) can be used for more than just home improvements. Put your home’s equity to work where it matters most:

  • Home Improvements: Fund repairs or upgrades that enhance your home’s value.

  • Debt Consolidation: Roll multiple high-interest debts into one manageable monthly payment.

  • Emergency Fund: Prepare for unexpected medical bills, major expenses, or seasonal costs.

  • Business Ventures: Launch or grow your business with more flexible terms than many traditional loans.

Home Equity Loan Up To 85% Equity

Loan Term Interest Rate
Up to 36 Months 5.24% APR*
37-60 Months 5.24% APR*
61-120 Months 5.49% APR*
121-180 Months 5.99% APR*

*APR=Annual Percentage Rate. The rate listed is based upon the applicant’s credit worthiness and may vary from that shown above. Rates are subject to change without notice. Maximum APR is 21% or the maximum permitted by law, whichever is lower.

Subject to Credit Approval; Property Insurance is Required; Flood Insurance may be required; Membership Eligibility Applies.

Terms up to 15 years.
Minimum loan amount of $5,000.
Real Estate Secured** = Closed end loan up to 100% market value financing.
$5,000 or more in new money is required to refinance existing AmeriChoice Equity Loans.

Home Equity Loan Up To 100% Equity

Loan Term Interest Rate
Up to 36 Months 5.74% APR*
37-60 Months 5.74% APR*
61-120 Months 5.99% APR*
121-180 Months  6.49% APR*

*APR=Annual Percentage Rate. The rate listed is based upon the applicant’s credit worthiness and may vary from that shown above. Rates are subject to change without notice. Maximum APR is 21% or the maximum permitted by law, whichever is lower.

Subject to Credit Approval; Property Insurance is Required; Flood Insurance may be required; Membership Eligibility Applies.

Terms up to 15 years.
Minimum loan amount of $5,000.
Real Estate Secured** = Closed end loan up to 100% market value financing.
$5,000 or more in new money is required to refinance existing AmeriChoice Equity Loans.

Why
AmeriChoice?

Put Your Home’s Equity to Work
Turn the value you’ve built into opportunities that move you forward, with AmeriChoice by your side.

  • Local mortgage and lending experts you can trust

  • Flexible options to fit your goals and budget

  • Trusted partner for life’s big financial moments

Home Equity Installment Loan
Fixed-rate terms up to 15 years. Minimum loan amount $5,000. Financing up to 100% of market value, less existing liens. Secured by real estate; property insurance required (flood insurance may be required). $5,000 or more in new money required to refinance existing AmeriChoice equity loans. Subject to credit approval. Federally insured by NCUA. Equal Opportunity Lender.

Home Equity Loan
*APR=Annual Percentage Rate. The rate listed is based upon the applicant’s credit worthiness and may vary from that shown above. Rates are subject to change without notice. Maximum APR is 21% or the maximum permitted by law, whichever is lower. Subject to Credit Approval; Property Insurance is Required; Flood insurance may be required. Membership Eligibility Applies. Terms up to 15 years. Minimum loan amount of $5,000. Real Estate Secured** = Closed end loan up to 100% market value financing. $5,000 or more in new money is required to refinance existing AmeriChoice Equity Loans.


Home Equity Line of Credit
*APR=Annual Percentage Rate. The rate listed is based upon the applicant’s credit worthiness and may vary from that shown above. Rates are subject to change without notice. Subject to Credit Approval; Property Insurance is Required; Flood insurance may be required. Membership Eligibility Applies. Monthly Payment as low as 1% of balance or $100.00 (whichever is greater) The required payment percentage is based on the monthly APR.

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People Helping People.
As a not-for-profit, member-owned financial institution, AmeriChoice is passionate about providing superior service and value – for you!