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Home Equity Loan features.

Competitive Low Fixed Rates

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With a low fixed rate borrowing against the equity in your home may be a better option than other types of loans.
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Interest May Be Tax Deductible

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Ask your tax advisor if the interest you pay will be tax deductible based on what you’re using the money for.
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Terms That Will Fit Your Needs

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Allegiance offers budget-friendly repayment terms that are custom tailored to your unique needs.
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Home equity loans make this dream vacation destination a reality.
THE EXPERIENCE OF A LIFETIME

Embrace The Adventure With A Home Equity Loan

Is a dream vacation, destination wedding, or anniversary calling your name?

Use the equity in your home to secure a low rate Home Equity Loan to make the experience of a lifetime more budget-friendly than you thought possible.
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Debt consolidation for this man holding bills is possible.
CONSOLIDATE DEBT

Low Rates Make Debt Consolidation Affordable

One of the most popular uses for a Home Equity Loan is for debt consolidation.

If you have high interest rate credit cards or loans paying them off with a lower rate Home Equity Loan can save you a lot of money.
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Home improvements in this kitchen are possible with a home equity loan.
HOME IMPROVEMENTS

Home Improvement Projects Are Easy And Affordable!

Many people use the equity in their homes to make improvements that further increase the value of their home. If you’ve been wanting to add on to your home or spruce up space in your home, a Home Equity Loan makes it affordable.

Want an alternative to using your home equity and need cash fast? Check out our Quick Cash Home Improvement Loan.
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Home Equity for Debt Consolidation

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using-home-equity-loan-for-debt-consolidation-ebook-cover

Looking for Clarity to Get Out of Debt?

This E-book contains:

  • When Do You Need to Consolidate Your Debt?
  • How To Set Goals for Debt Consolidation
  • What is a Home Equity Loan and how does it work?
  • Home Equity Loan vs HELOC
  • When You Should Use a Home Equity Loan for Debt Consolidation

Home Equity Loan Rates

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*APR = Annual Percentage Rate.
**Max. LTV = Maximum Loan to Value. Final rate and term determined during underwriting.

Home Equity Loan Rates
Term
APR* (as low as)
Max. LTV**
Term
5 Year
APR* (as low as)
5.375%
Max. LTV**
90%
Term
10 Year
APR* (as low as)
5.875%
Max. LTV**
90%
Term
15 Year
APR* (as low as)
6.750%
Max. LTV**
90%
Effective April 29, 2022

*APR = Annual Percentage Rate.
**Max. LTV = Maximum Loan to Value. Final rate and term determined during underwriting.

EASY & AFFORDABLE

Flexible Home Equity Loans

Home equity loan rates are affordable for this older woman and daughter.
Medical Expenses
You can even use a Home Equity Loan to pay for medical expenses.
Home equity loan rates fit within this persons budget that is counting their money.
Cash Out Refinance
You can even use a Home Equity Loan to get cash!
Home improvements to this brown and white wooden house are possible with a home equity loan.
Refinance Your Mortgage
Yup, you can do that too with a Home Equity Loan!
With no limits on how you can use the money from your Home Equity Loan, the flexible benefits of this low rate solution are nearly endless! How will you use the equity in your home?
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Home equity loan rates are affordable for this older woman and daughter.
Medical Expenses
You can even use a Home Equity Loan to pay for medical expenses.
Home equity loan rates fit within this persons budget that is counting their money.
Cash Out Refinance
You can even use a Home Equity Loan to get cash!
Home improvements to this brown and white wooden house are possible with a home equity loan.
Refinance Your Mortgage
Yup, you can do that too with a Home Equity Loan!
CAPITALIZE ON YOUR EQUITY

A Home Equity Loan Is A Smart Solution!

Using the equity in your home to pay for expenses is a great low-rate way to make the things you need affordable. From consolidating your higher rate debt to taking a dream vacation a Home Equity Loan is budget-friendly and flexible to create repayment terms that work for you.

There is no early payoff penalty and you can save money on interest by paying extra towards your principal balance any time you’d like.

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Depending on how you use the funds, the interest you pay could be tax deductible. We encourage you to speak with a tax professional to see if there could be tax benefits to using a Home Equity Loan to pay for certain expenses.

Don't wait any longer, ask yourself how you could use the equity in your home!

A home equity loan can finance a vacation view like this coconut tree near body of water
A home equity loan is a simple solution creating peace for this couple on the floor drinking coffee smiling.

Home Equity Loan - FAQ

Have more questions?

We are here to answer all of your questions. Let us know how we can help!

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You can borrow up to 90% Loan-To-Value, which means up to 90% of the home’s overall value. 

Yes, you can apply extra towards the principal balance of your loan.

No, we do not charge early payoff penalties at ACU. 

Home improvement projects, debt consolidation, and vacations are just a few of the things you can use a Home Equity Loan for.

A calculator app or financial calculator on your smartphone can show you your potential savings.
Free Financial Calculators

Access our complete library of both loan and deposit calculators.

CHECK THEM OUT!