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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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A Home Equity Loan can help you travel to this exotic tropical getaway.
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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APPLY NOW
Debt consolidation was possible for this man holding his bills near a laptop after he was approved for a Home Equity Loan.
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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APPLY NOW
Home improvement projects like this kitchen are possible with Home Equity Loans.
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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APPLY NOW
Home Equity for Debt Consolidation

Claim your FREE copy!
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.
Call for rates on terms 15 years and up.

Home Equity Loan Rates
Term
APR* (as low as)
Max. LTV**
Term
First Mortgage
5 years
APR* (as low as)
5.500%
Max. LTV**
95%
Term
First Mortgage
10 years
APR* (as low as)
5.625%
Max. LTV**
95%
Term
First Mortgage
15 years
APR* (as low as)
5.750%
Max. LTV**
95%
Term
Second Mortgage
5 years
APR* (as low as)
6.375%
Max. LTV**
90%
Term
Second Mortgage
10 years
APR* (as low as)
6.500%
Max. LTV**
90%
Term
Second Mortgage
15 years
APR* (as low as)
6.625%
Max. LTV**
90%
Term
Second Mortgage
5 years
APR* (as low as)
6.125%
Max. LTV**
75%
Term
Second Mortgage
10 years
APR* (as low as)
6.250%
Max. LTV**
75%
Term
Second Mortgage
15 years
APR* (as low as)
6.375%
Max. LTV**
75%
Effective October 7, 2024

*APR = Annual Percentage Rate.
**Max. LTV = Maximum Loan to Value. Final rate and term determined during underwriting.
Call for rates on terms 15 years and up.

EASY & AFFORDABLE

Flexible Home Equity Loans

Home Equity Loan rates offered this older woman and daughter money to cover medical bills.
Medical Expenses
You can even use a Home Equity Loan to pay for medical expenses.
A woman counting cash used a Home Equity Loan to get the money she needed.
Cash Out Refinance
Use an Allegiance 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 limited restrictions 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 offered this older woman and daughter money to cover medical bills.
Medical Expenses
You can even use a Home Equity Loan to pay for medical expenses.
A woman counting cash used a Home Equity Loan to get the money she needed.
Cash Out Refinance
Use an Allegiance 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, to paying for college tuition, 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 with palm trees and white sandy beaches by the ocean.
A Home Equity Loan-offers-peace-of-mind-for-this-couple-sitting-having-coffee.

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, vacations, and college tuition expenses are just a few of the things you can use a Home Equity Loan for.

A Home Equity Loan Calculator and smartphone cell phone calculator can help you find a budget friendly payment.
Free Financial Calculators

Access our complete library of both loan and deposit calculators.

CHECK THEM OUT!