Refinancing Made Simple for Healthcare Professionals
Knowing when to refinance can make a big difference in your financial wellness. Whether rates have dropped or your financial situation has changed, we’re here to help you determine if now is the right time to refinance, borrow, or save smarter.
How to Know If It’s the Right Time to Refinance
As market rates fluctuate, new opportunities arise to lower your payments, shorten your loan term, or reduce overall interest costs. Now may be the perfect time to make your money work harder. Explore AHCU’s flexible lending options designed to help you save, borrow, and spend wisely. Our team will work with you to review your current loans and create a personalized refinancing plan that fits your goals.
Reimagine Homeownership with Lower Rates
Refinancing your mortgage when rates are lower can reduce monthly payments and help you build equity faster. Through our partnership with Servion Mortgage Group, AHCU offers a range of refinancing options tailored to your goals and budget.
Flexible Options with Your Home Equity
A Home Equity Line of Credit (HELOC) can be a smart way to use your home’s value for renovations, debt consolidation, or other major expenses. Refinancing or opening a HELOC at AHCU can provide:
- No Annual HELOC Fees
- No “Mail Away Fees”
- No “Courier Fees
- Rates based on credit
Home Equity Rates
Home Equity Line of Credit Loans1
| Terms | APR* |
|---|---|
| Up to 80% LTV | 7.50% (Prime plus 0.25%) |
| 81-100% LTV | 9.00% (Prime plus 1.75%) |
1Variable rate based on Prime as published in WSJ. (Min 3.50% and will not exceed a cap of 12%)
Fixed Rate Home Equity Loans
| Term | Type | APR* |
|---|---|---|
| 5 year (Up to 15-year available) | Up to 80% LTV** | 5.50% |
| 5 year (Up to 15-year available) | 81%-100% LTV** | 7.25% |
First Position Home Equity Loans
| Term | Type | |
|---|---|---|
| Up to 10 Years | Up to 80% LTV** |
*APR = Annual Percentage Rate.
** LTV is the loan to value ratio and factor determines daily periodic rate for loans.
Home Equity Rates
FIXED RATE LOANS**
| Up to 80% LTV |
|---|
| 5 Years - As low as 6.40% APR* |
| 10 Years - As low as 6.75% APR* |
| 15 Years - As low as 7.00% APR* |
| 81-100% LTV (appraisal required) |
|---|
| 5 Years - As low as 7.75% APR* |
| 10 Years - As low as 8.00% APR* |
| 15 Years - As low as 8.50% APR* |
LINE OF CREDIT**1
| Up to 80% LTV |
|---|
| Up to 15 years; Min $10,000 - Max $250,000; 7.75% APR* (Prime plus 0.25%) |
| 81-100% LTV |
|---|
| Up to 15 years; Min $10,000 - Max $250,000; 9.25% APR* (Prime plus 1.75%) |
FIRST MORTGAGE HOME EQUITY**
| Up to 80% LTV |
|---|
| Min $10,000 - Max $250,000 |
| At the time of application, the interest rate will be quoted from Servion 10 Yr fixed rate with a floor limit of 3% |
*APR = Annual Percentage Rate.
** Closing costs may vary dependent on the loan amount and individual terms of the Home Equity Loan. Larger amounts are available to qualified borrowers.
1 Variable rates are based on prime as published in the Wall Street Journal. Rates are subject to change monthly with a floor of 4% and will not exceed a cap of 12%.
Pay Off Credit Card Debt
You can also use a Home Equity Loan to pay off high-interest credit cards. See the example below.
| Credit Card | Home Equity Loan | |
|---|---|---|
| Balance | $15,000 | $15,000 |
| APR* | 27.79%** | 6.90%*** |
| Years to Pay Off | 5 | 5 |
| Monthly Payment | $465.14 | $296.31 |
| Interest Paid | $12,908.33 | $2,715.11 |
* APR is Annual Percentage Rate
** Average national credit card rate according to Forbes Advisor’s weekly credit card rates report, Jan. 15, 2024
*** As low as 6.90% APR
Refinance Your Auto Loan with Ease
If auto loan rates have dropped since you financed your vehicle, refinancing could lower your monthly payments and help you pay off your car faster. AHCU offers auto loan rates as low as 3.99% APR*.
New Auto Loans (2025-2024)
| Term | APR* (as low as) |
|---|---|
| Up to 12 Months | 4.24% |
| Up to 24 Months | 4.49% |
| Up to 36 Months | 4.49% |
| Up to 48 Months | 4.74% |
| Up to 60 Months | 4.99% |
| Up to 72 Months | 5.49% |
| Up to 84 Months | 5.99% |
*APR = Annual Percentage Rate. The rates above reflect 0.50% rate decrease based on our Relationship-Based Discount Program. Contact us for more details to see how much you can save.
Used Auto Loans (2023-2017)
| Term | APR* (as low as) |
|---|---|
| Up to 12 Months | 3.99% |
| Up to 24 Months | 4.24% |
| Up to 36 Months | 4.49% |
| Up to 48 Months | 4.74% |
| Up to 60 Months | 5.24% |
| Up to 72 Months | 5.74% |
| Up to 84 Months | 6.24% |
*APR = Annual Percentage Rate. The rates above reflect 0.50% rate decrease based on our Relationship-Based Discount Program. Contact us for more details to see how much you can save.
Auto Loan Calculator
Planning to buy a car? Use our auto loan calculator to estimate your monthly payments and determine how much car you can afford. It’s a handy tool to guide your budgeting and decision-making.
Questions About Refinancing? We’re Here to Help!
Our dedicated team is here to help you navigate rate changes in your financial journey.
Please call (651) 383-4000, contact us, or make an appointment we are happy assist you!
Exclusive Banking for Healthcare Employees & their Families
Smarter Spending Starts Here
Make everyday expenses easier with credit card rates as low as 12.99% APR* and trusted member service.
If you want a credit card with no annual fee and the most competitive interest rate, look no further than Associated Healthcare Credit Union.
Credit Card Rates
| Type | Limit | APR* (as low as) |
|---|---|---|
| VISA Signature Rewards Credit Card | Up to $25,000 | 14.99%1 |
| VISA Premier Credit Card | Up to $25,000 | 12.99%2 |
*APR = Annual Percentage Rate.
1 AHCU VISA Signature Rewards Variable APR ranges from 14.99% – 17.99% dependent on creditworthiness. APR is Variable with market-based on Prime Rate. No Annual Fee. Click here for disclosure.
2 AHCU Visa Premier Variable APR ranges from 12.99% – 17.99% depending on creditworthiness. No Annual Fee. Click here for disclosure.
All quoted rates and terms are in effect as of Effective 11/01/2025 and subject to change. ‘As low as’ APR rates vary based on collateral, credit worthiness, and term. Some rates below reflect a 0.50% rate decrease based on our Relationship-Based Discount Program. Contact us for more details to see how our rates are determined and find out how much your relationship with AHCU can save you!
*APR = Annual Percentage Rate
