YOUR NEXT LOAN IS ON THE HOUSE!

Get a head start on your dreams with an Altier CU Home Equity Loan.  Don't wait a minute longer to take a family vacation, refinance an existing HELOC, or consolidate high interest credit card debt.  With our low-rate Home Equity Loans, you'll finally be able to catch up to your dreams and make them a reality.

• Competitive rates*
• No annual fees
• Easy online application
• Choose from a Fixed rate Home Equity loan or a Variable rate Home Equity Line of Credit 
• If you are not a current member, please click here to learn more about membership and to download a membership application.

For specific rates and terms on our Home Equity Loans, go to our Rates page.

APPLY FOR YOUR LOAN ONLINE NOW!

Fixed Home Equity Loan

Extra money is right at your doorstep with a Home Equity Loan from Altier CU. Altier CU allows you to conveniently tap into the equity you have already built in your home and access extra cash for any major purchase goal — including home improvements, vacations, educational expenses, weddings, a new baby and more! Or use your loan to consolidate your outstanding debts into one low monthly payment at an affordable interest rate. Let Altier CU's personal and friendly loan experts help you move forward toward your goals.

Access the equity in your home today:

• Rates may range from 5.25% to 10.50%*
• Access up to 80% of the appraised value of your home**
• A quarter percent (0.25%) rate discount with automatic payment
• Fixed rate with terms of 5, 10 and 15 years
• The interest you pay may be tax-deductible***

Let Altier CU help you get the cash you need today!

How much can I afford?
What you'll need to complete your loan application.

To start the loan application process on-line: Go to the on-line application.

Or make an appointment with one of our Home Loan Officers.

Please call:   Phoenix: (602) 797-3000
                        Toll Free: (888) 999-3936

*APR. The rate may vary depending on each individual's credit history and underwriting factors.  Rates effective February 15, 2012.  All loans subject to credit approval.  Lowest rate includes 0.25% rate reduction for automatic payment.  Other terms and conditions may apply, ask for details.  Acceptable property is primary and 2nd home, no rental properties.  Property insurance is required.  Flood insurance may be required.  Third party fees charged if loan is terminated for any reason within the first two years ($250 - $1,295).  All credit union loan programs, rates, terms, and conditions are subject to change at anytime without notice.
**Less superior liens, such as your first mortgage. 
***Consult your tax advisor about the deductibility of interest.
 

TERMS OF REPAYMENT EXAMPLE (Fixed Rate Loans)

If you apply for a $50,000 180-month term loan at 5.25% APR*, you would make 180 monthly payments of $401.94.

Home Equity Line of Credit

A HELOC allows you to gain access to the money you need by using your home's equity. The money can be used for just about anything, including home improvements, college tuition and more. This option allows you to access smaller sums that can be used as needed. As you repay the funds, the money becomes available to use again. You only pay interest on what you borrow, and there are no fees to maintain your line.

Do more with the equity in your home:

• Variable rates range from Prime +2.00% to Prime +5.25%*
• Easy Access to your funds
• Financing up to 80% of the appraised value of your home**
• Draw period up to ten years, amortized for 25 years
• The interest you pay may be tax-deductible***

Altier CU can help you make the most of your home equity.

The following applies to Variable Rate Option Programs:

1. Rate Adjustment Variable - rates adjusted on the 1st of each month
2. Index - Prime Rate
3. Life Cap - 18% APR
4. Floor - 4% APR
5. Draw period - 10 years
6. Index Source - Highest Prime Rate quoted in the Wall Street Journal on the 25th or next business day of the previous month.

Check our current HELOC rates.
To start the loan application process on-line:  Go to the on-line application.

Or make an appointment with one of our Home Loan Officers.

Please call:   Phoenix: (602) 797-3000
                        Toll Free: (888) 999-3936

* As of April 1, 2009, the APR could be as low as 5.00% (lowest rate includes the .25% for automatic payment).  The rate may vary depending on each individual's credit history and underwriting factors.  All loans subject to credit approval.  Rates are accurate at time of publication.  Acceptable property is primary and 2nd home, no rental properties.  Property insurance is required.  Flood insurance may be required.  Other terms and conditions may apply, ask for details.  Third party fees charged if loan is terminated for any reason within the first two years ($250 - $1,295).  All credit union loan programs, rates, terms, and conditions are subject to change at anytime without notice.
**Less superior liens, such as your first mortgage. 
***Consult your tax advisor about the deductibility of interest.