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Home Loan Rates

Quoted rates and terms effective 6/01/2026 and subject to change. 'As low as' APR rates vary based on collateral, credit worthiness, and term. Contact us for more details to see how our rates are determined and find out how much your relationship with AHCU can save you!

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Adjustable Rate Mortgage (ARM) Loans
Term Interest Rate APR* Sample Monthly Pymt**
3-Yr Fixed 5.00% 6.199% $2,013.08
5-Yr Fixed 5.10% 6.046% $2,036.06
7-Yr Fixed 5.20% 5.945% $2,059.17

*APR = Annual Percentage Rate. Adjustable-Rate Mortgage (ARM) loans have a variable rate and the APR may increase after consummation. Borrower must meet membership requirements to qualify. All loans are subject to approval.  Other restrictions may apply.
**Sample monthly payment based on a $375,000 mortgage loan amount excluding closing costs, taxes, insurance premiums and mortgage insurance (where applicable).

NMLS#: 808383. Equal Housing Opportunity.

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Home Mortgage Loans
Conforming Fixed Rate APR*
30 Years 5.875%
20 Years 5.625%
15 Years 5.375%
10 Years 5.375%
FHA Fixed APR*
30 Years 6.000%
VA / USDA Fixed APR*
30 Years 6.000%
Jumbo Fixed (A jumbo loan is defined as any above $832,750) APR*
30 Years 6.375%
15 Years Contact your Loan Officer

*APR = Annual Percentage Rate. All base rates listed above assume a 1% discount point, adjustments may apply

NMLS#: 808383

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Home Equity Loans

Line of Credit (LOC) Loans1
Terms APR*
Up to 80% LTV 7.00% (Prime plus 0.25%)
81-100% LTV 8.50% (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 Loans
Terms Type APR*
5 year (Up to 15-year available) 1st Position, Up to 80% LTV** 5.50%
5 year (Up to 15-year available) 81%-100% LTV** 7.20%

*APR = Annual Percentage Rate.
** LTV is the loan to value ratio and factor determines daily periodic rate for loans.

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If You Are Already a Member

You can log into online banking, click (+) add account and then apply for a loan or any other service you need. It’s the fastest and easiest way to apply!