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ALL U.S. Credit Union - Positively Different
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Real Estate Loans

First Mortgage Loans

allU.S. Mortgage Service

Look no further for the perfect home loan!

Looking for a mortgage with low rates and a hassle-free application process. Our friendly and knowledgeable mortgage consultants will help you find the home loan that's right for you.

For current rates, loan program details, or to apply online contact allU.S. Mortgage Service or by telephone at 877-223-9901.

Fixed Equity Loans

With our fixed rate term loan and with rates this low, it might make more sense to renovate your home than to move. Just think, the kids are already settled into their school, you have your commute and alternative roads down pat, and you know how to navigate the aisles in your local grocery store, so why would you want to move? Remodeling may increase the value of your home and you could save monthly by making it more energy efficient with new doors, windows, and climate control systems.

Home Equity Line of Credit

With this line of credit tied to your home, you can draw up to the limit whenever you need it. As you pay down the line, it becomes available to use again--you always have funds at your fingertips. It's that simple.

An allU.S. Home Equity Loan or Home Equity Line of Credit allows you to borrow against your home's equity. Plus, interest on a Home Equity Line or Loan is generally tax-deductible up to (consult your tax advisor). Use the cash for home improvements, tuition, or other major purchases; or use the money to pay off higher-interest debts and save hundreds of dollars per year.

HELOC Rates Disclosure

Minimum Loan Amount $5,000
Loan to Value Ratio 80%
Variable Rate Rates as low as 5.00% (Prime + 1.70%)
Loan Term 10 Year Draw, 15 Year Repayment
Loan Fee $500.00
Third Party Fee Approximately $506.00**
Annual Fee $50.00
Loan Balance Repayment Term
Up to $5,000.00
$5,000.01 to $10,000.00 60 Months
$10,000.01 to $20,000.00 84 Months
$20,000.01 to $30,000.00 120 Months
$30,000.01 to $50,000.00 144 Months
$50,000.00 and Above 180 Months

Fixed Rate Home Equity Loan
(2nd Trust Deed) Rate and Terms

Minimum Loan Amount $10,000.00
Loan to Value Ratio 80%
Loan Fee $250.00 for amounts to $49,999.99
$500.00 for amounts from $50,000 to $99,999.99
$1,000.00 for loans over $100,000.00
Third Party Fee Approximately $506.00**
Term Annual Percentage Rate More Info
120 Months (10 Years) 5.95% - 11.50% APR
180 Months (15 Years) 6.75% - 12.50% APR

Entity's NMLS#802240 | Robin Ceralde NMLS #1482958

All loans from allU.S. Credit Union are based on approved credit. All loan rates with the exception of Visa Secured and Share/Certificate Secured loans are approved based on individual credit worthiness. We use a combination of the individual's FICO score as well as other factors to determine the rate that will be offered.

*APR (Annual Percentage Rate) assumes .25% for automatic payments. Rates vary with amount financed, and term, and credit history. A rate reduction of 0.25% is offered to those members who have an active checking account with direct deposit, automatic loan payment or automatic transfer. Discontinuance of the qualifying relationship will cause the APR to increase by the applicable rate reduction. Any increase in the APR will result in more payments of the same amount until what you owe has been repaid in full. Some restrictions apply. Rates, terms, and conditions subjects to change at without notice.

**The maturity date for loans secured by share certificates will be no later than the maturity date of the share certificate used to secure the loan. Share loans require pledging 110% of the loan amount.

This Preferred Rate discount is not available with other discounts or promotions, or with Visa, Share or Certificate Secured loans or Real Estate loans.

View all Legal Disclosures.