A fixed rate of 5.49% APR

for your first 12 months, on a minimum draw of $10,000 at closing! ¹

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Home Equity Loans

Home Equity Line Of Credit (HELOC)

Whether it's a planned purchase, unexpected expense, or way to consolidate debt, a Home Equity Line Of Credit (HELOC) gives you quick access to the money you need now!

Features

10-year advance period & 10-year repayment period ²
3.50% ² floor rate
Quick approvals
No annual fee
Low-interest rates
Interest only payments through the advance period ²
Review and sign some of your closing documents electronically with a electronic closing options*

Get Pre-Qualified Now

Schedule an Appointment

A conversation is a great place to start. Schedule an appointment with a Mortgage Loan Officer and they'll find the best loan options for you!

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Home Equity Loan Calculator

Use this calculator to help you determine how much equity you have in your house relative to the amount you want to borrow or already have borrowed.

Fixed-Rate Second Mortgage

A fixed-rate second mortgage is an additional loan taken against a property on which you already have a mortgage loan. This gives you access to a lump-sum loan with a fixed term and rate and may be a good option if you are preparing for a large one-time expense, such as a wedding or buying a second home.

Advantages of Second Mortgages

Loan Amount - Access the equity in your home without having to refinance your first mortgage.
Interest Rates - Typically have lower interest rates than other types of loans.
Tax Benefits - The interest paid on a second mortgage could be tax deductible. For details, consult your tax advisor.

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Locations & ATMs

Find an AACU branch or ATM or locate thousands of surcharge-free ATMs or shared branch locations in the U.S. and Canada.

Talk to a Mortgage Expert

Schedule an appointment with a Mortgage Loan Officer and they'll help you find the best options to get you in your new home!

Mortgage Rates

Check out current rates for First-Time Homebuyer, 30-Year Fixed, HELOC and more!

Explore Home Loan Options

Knowing what is available to you is a great first step. Check out our home loan options - and let's get you on your way to being home!

Disclosures

¹ To qualify for the promotional rate, you must open a Cash Rewards Checking account or a Cash Back Rewards Checking account and establish a qualifying recurring direct deposit; examples of qualifying direct deposits include, but are not limited to: payroll, Social Security, pension and government benefits. Deposits made through a teller, Zelle® transactions, ATM, or the AACU mobile app are ineligible direct deposits. HELOC Promotional rate is a temporary fixed-rate and applies only if a minimum $10,000 Home Equity Line of Credit advance is completed at time of loan closing. Promotional rate will apply to future advances from the date of closing until 12 months thereafter. After 12 months from the date of loan closing the promotional rate will revert to the applicable rate as stated in the Home Equity Line of Credit Agreement. This promotional offer is available to new HELOCs or existing HELOCs that were originated more than twelve (12) months prior to the application date. Existing HELOCs originated within the past 12 months are not eligible. Rates may vary after account is opened. Rates are adjusted on the first day of the month following a change in the Prime Rate, as published in the Wall Street Journal. The Prime Rate in effect on 12/10/2025, is 6.75%. Offer subject to change at any time without notice.

² APR=Annual Percentage Rate. APR is determined by adding a Margin to the Index. The Index is the Prime Rate as published in the “Money Rates” table in The Wall Street Journal. The Margin is calculated based on individual credit history and loan-to-value ratio. Rates subject to change without notice. Rates may vary after account is opened. Rates are adjusted on the first day of the month following a change in the Prime Rate, as published in the Wall Street Journal. The Prime Rate in effect on 12/10/2025, is 6.75%. At no time, will the rate exceed 17.99% APR. Minimum loan amount is $10,000. Maximum loan amount is $250,000. During the Advance Period, the minimum monthly payment is the greater of $50.00 or the finance charges that have accrued during the billing cycle. During the Repayment Period, the minimum monthly payment is the greater of $50.00 or the minimum monthly principal and interest payment due based on a 120 month amortization schedule calculated by the outstanding balance at the end of the Advance Period, plus finance charges that have accrued on the outstanding balance during the billing cycle. There is no limit on the amount by which the rate can change during any one-year period aside from the rate cap of 17.99%. Floor rate 3.5%. The maximum APR of 17.99% could be reached the first month of the draw period. Closing cost range is $400-$2,000. Late fees may apply. For current index value, margins, and APR, call 800.223.1983. Restrictions and requirements may apply. Ask a mortgage loan officer for details. Membership requirements apply. Equal Housing Lender. Please Note: Colorado Properties Only

Air Academy Federal Credit Union: NMLS# 454287