It’s probably the biggest purchase any of us will ever make – a home. And while the process of buying or refinancing will
never be completely stress free, we’re here to make it as smooth as possible.
Home Equity Line of Credit
First Mortgages Fixed
At Alliance Credit Union, we’re into helping our members reach their goals. And for many people, one goal
is owning their own home. That’s why we offer a full array of first mortgages–available with a choice of
competitive fixed or adjustable rates to fit your individual goals.
We’ll help turn your dream into a reality.
NMLS Registry Information for Alliance Credit Union Mortgage Loan Originators
for Mortgage Loan Originator Verification.
Meet the new 5|5 Mortgage from Alliance – for those who want both flexibility and stability in one
The average American moves or refinances every five to seven years - our 5|5 Adjustable Rate
Mortgage is made for those looking for an affordable home loan that may not need a 30-year
commitment. The 5|5 Mortgage is more secure than a typical adjustable rate mortgage and
offers lower interest rates than a traditional fixed rate mortgage. You’ll enjoy five
years of low, locked-in payments, then an adjustment only every five years after that1
the perfect mix for homeowners who want the best of both worlds.
- Great rates with zero costs – click here for current rates
- Up to $500,000 financing for purchases or refinances
- Maximum term of 30 years
- Rate subject to change every 5 years
- Maximum interest rate adjustment of 2 percent every five years or 5 percent over the life of the loan
Not sure what an adjustable mortgage is? Curious about how our 5|5 Mortgage is different? Take a look at the video below to learn more.
 The rate on this mortgage can change every five years. Available mortgage rates and terms are subject to change at
any time. Click here for current mortgage rates. Maximum loan amount $500,000. Available only in properties located
in California or North Carolina. Other restrictions apply.
Receive 1.99% APR* until 2014 when you get a home equity line of credit from Alliance Credit Union.
You put a lot into your most valuable asset. It’s time to get something out of it. Your home’s equity can help you finance anything from
home repairs to unexpected expenses, whenever you need it. Whatever your goal, a home equity line of credit from Alliance can help.
Apply for a home equity line of credit before June 30, 2013 and receive a 1.99% APR interest rate until January 1, 2014.
BONUS DISCOUNT! Use 5,000 SmartPoints to waive the appraisal fee - a $425 value!
So don’t wait. Take advantage of your home’s equity today – click the link below to apply now.
*APR = Annual Percentage Rate. Offer applies to home equity line of credit applications submitted by 6/30/13. The 1.99% introductory APR rate
applies at time of funding through 12/31/13. When the discounted period expires starting 1/1/14, the APR on existing balances will adjust to
the non-discounted rate in effect at the time of closing, currently 4.25% to 7.25% as of 5/1/13, based on credit worthiness. Lifetime maximum
APR is 18.0%. Member is responsible for paying appraisal fee. Credit Union pays all other closing costs. Excludes existing Alliance Credit
Union home equity lines of credit. Approvals are subject to standard credit union underwriting guidelines. Call for details.
Home Equity Loan
All of our 15-year second mortgage loans have fixed rates and could be tax
deductible.* (Consult your tax advisor.)
*Customary closing costs are paid by the Credit Union, borrower to pay appraisal fee.