We offer a variety of mortgage solutions tailored to meet each member’s needs for purchases and refinancing.


Key Features

  • Fixed & Adjustable Rates Available
  • Competitive Interest Rates
  • New Home Buyer Program
  • Online Payments

If you plan on being in your home long-term and want the stability of a consistent monthly payment, a Fixed rate is a great option.

Product Details

  • Terms ranging from 10-30 years
  • Flexible down-payment options
  • Online payments & account management


Adjustable Rate Mortgages (ARMs) can be a great option for first-time homebuyers and for borrowers with plans to only stay in the home for 3-5 years or so. ARMs often come with lower initial rates (than fixed rate options) and offer protections as to how far rates can increase if/when they adjust.

Product Details

  • Starting Rate is fixed for 5 years
  • Often have a lower initial rate than a Fixed Rate Mortgage
  • Rates (may) Adjust every 5 years
  • Capped rate increases – your rate will never increase more than 2% at each adjustment point (each 5-year mark) or 6% total over the life of the loan 
  • Online payments & account management


The Federal Housing Finance Agency (FHFA) sets conforming loan limits for Fannie Mae and Freddie Mac, the two government-sponsored enterprises that it regulates. ACU follows Fannie Mae Guidelines for all our mortgage lending. If a mortgage loan amount exceeds conforming loan limits, they are treated separately as Jumbo Loans. Loan limits vary by County, increase for multi-unit properties and are updated yearly – see the table below for 2022 amounts:


Loan limits

Also called non-conforming conventional mortgages, A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The criteria for getting a jumbo loan may be stricter (tighter qualifying criteria) than the standards for a conforming loan, Similarly, Rates and minimum down payments may also be higher. Jumbo loans are available with either a fixed interest rate or an adjustable rate and up to 30 year terms.

FHA and USDA Government loans may help some borrowers qualify with lower down payment requirements and greater tolerance for not-so-great credit or debt-to-income levels. However, they do also come with some additional fees. VA loans can be a great solution for qualifying Veterans or Active Duty members.

While we do not directly underwrite or service these loan types, we will gladly look into these options for you and if they are right for you we will process your application through our partners who are national leaders in Government loan origination.