Easy Access on the Go
- Log In Fast
- Manage It All
- Deposit From Anywhere
Do your plan on staying in your home for years to come? Does your peace of mind depend on payments that never change? Fixed Rate Mortgages work by setting monthly payments based on interest rates, the principal loan amount and the amortized interest over the term of the loan. Your payments will never change, and you can pay your mortgage in full at any time without pre-payment penalties.
Do you want to significantly reduce the cost of your mortgage? Are you planning on moving or refinancing in the next five to ten years? Do you want the lowest rate available? Adjustable Rate Mortgages work by setting fixed interest rates for a period of five to seven years, at the end of each period your interest rate can adjust up or down depending on market conditions. Rate adjustments are capped at 5% above your initial rate, and 2–5% per adjustment period. Actual payments will vary based on individual situations or current interest rates at time of application, and you can pay your mortgage in full at any time without pre-payment penalties.
Are you a veteran, member of the military or a surviving spouse of a veteran? Do you want fast approval and minimal red tape? Are you interested in financing up to 100% of your home or buying a home with now down payment? Governed by the US Department of Veterans Affairs, VA Mortgages are set to give back to those who have given their all to their country, who have credit scores as low as a 620.
VA Mortgages allow for both fixed and adjustable rates. Actual payments will vary based on individual situations or current interest rates at time of application, and you can pay your mortgage in full at any time without pre-payment penalties.
Do you need less stringent qualification and credit requirements? Is your down payment or home equity less than 20%?
FHA Loans allow for both fixed and adjustable rates. Actual payments will vary based on individual situations or current interest rates at time of application, and you can pay your mortgage in full at any time without pre-payment penalties.
Already have an FHA Loan and want to refinance? The FHA Streamline is a refinance program from the Federal Housing Administration which could get you a lower rate on your FHA mortgage without an extensive qualification process. FHA Streamline may be right for your if you current FHA Loan mortgage rate is higher than today’s mortgage rates, or your owe more on your mortgage than your home is worth.
When you become an Associated Credit Union of Texas member, you become part of everything we do to improve the quality of life in our community.
Last year, we provided $5,923,116 in savings to our members, saving each household approximately $281.
I recently got a car loan and everyone was so helpful. The entire process was smooth and completed in a day! Highly recommend ACU of Texas!Julie – Member
The ACU of Texas Mobile app allows you to view your transaction history and account balances, pay bills, make transfers and locate our nearest ATMs and branches!
