Home Equity Loans at
affordable rates.
Take advantage of our low rates on a home equity loan or line-of-credit
Apply Today

Atlantic Financial Federal Credit Union
40 Schilling Road Hunt Valley, Maryland 21031

(410) 584-7474

What Can You Use Your Home Equity Loan or Line of Credit for?

Wedding

Home Improvement

Tuition

Rate Details

Home Equity Line-of-Credit 

  • 2.50% APR1 Introductory Rate for 12 months2
  • 5 year draw, 5-15 year repayment
  • Minimum initial disbursement of at least $10,000 or greater  
  • Borrow up to 85% of your home value
Apply Now!
Apply Now!

Home Equity Loan  

  • Cut your qualifying rate by 2% with
    promotional rates as low as 3.50% APR 1, 3
  • 10-year fixed-rate term maximum 
  • Minimum loan amount of $25,000 or greater 
  • Borrow up to 85% of your home value

Who Can Apply? Anyone!

NON-MEMBERS

Becoming a member is easy! Simply complete the form and join AFFCU at the same time today.

Apply Now!

CURRENT MEMBERS

Simply fill out our online inquiry form to get started on your home equity loan or line of credit. All you need to do is complete the online form and we'll contact you shortly!

Member Testimonials

"I love Atlantic Financial Federal Credit Union.  Melony Jones,  and the others are the Best!  Always willing to help and resolve problems.  Always there for me!!.  They are Johnnie on the spot.  I strongly recommend this branch. They are like family with the best of the best service! This is why I send my family members there also."

Carolyn R.

★★★★★

Feb 2018

Evangalyn B.

★★★★★

Feb 2018

"They are truly helpful in regards any complications I may have been faced with. Everyone that I have spoken to has been very friendly.  Joining this Credit Union has been 1 of the best decisions I have made!"

Tangela T.

★★★★★

May 2017

"Atlantic financial is GREAT! Since I've been with them I have ALWAYS received EXCELLENT customer service inside of the branch, and at the drive thru. The employees are very patient and helpful. I also got approved for a loan with them with a very low APR, considering my score. I was referred to AFFCU by my co worker and I'm SO HAPPY I was referred. I recommend AFFCU as a credit union for anyone!"

Take advantage of our low rates on a home equity loan or line-of-credit
Apply Today

Wedding

Home Improvement

Tuition

Tap Into Your Home’s Value And Put It To Work For You.

Apply Now!

Home Equity Line-of-Credit 

  • 2.50% APR1 Introductory Rate for 12 months2
  • 5 year draw, 5-15 repayment
  • Minimum initial disbursement of at least $10,000 or greater  
  • Borrow up to 85% of your home value
Apply Now!

Home Equity Loan  

  • As low as 5.50% APR1,2
  • 15-year fixed-rate term maximum 
  • Minimum loan amount of $10,000 or greater 
  • Borrow up to 85% of your home value

1) APR=Annual Percentage Rate. Rate, terms and conditions are subject to change without prior notification. Actual rate may vary based on the term, loan amount, your credit history and other factors. Advertised promotional rates available through October 31, 2019. Adequate property and flood insurance required, if applicable.

2) 5-year draw, 15-year payback. Introductory rate is a fixed-rate for 12-months as stated above. Offer is valid on qualified new home equity line-of-credit applications received between now and October 31, 2019 with a minimum loan amount of $25,000 and a minimum initial draw of $10,000. A maximum 85% Combined Loan-to-Value (CLTV). After the intro rate period (12-months) or for lines not subject to the intro rate, your monthly APR will be a fully indexed, variable rate based on Prime plus a margin and based on your credit line amount, Loan to Value (LTV) and other factors. Prime rate is obtained from the Wall Street Journal. The maximum APR that can apply is 18%. The rate is variable and can adjust on a monthly basis. We may not extend credit to you if you do not meet Atlantic Financial Federal Credit Union criteria. Existing AFFCU Home Equity lines-of-credit members must increase current line by at least $25,000 with a minimum initial disbursement of $10,000. For every $1,000 borrowed at the current rate of 4.25% APR your payment will be $7.53 monthly. Consult with your financial advisor about potential tax savings. Excludes current Atlantic Financial Federal Credit Union loans. Please consult with an Atlantic Financial Federal Credit Union representative for more information.

3) Available only on new AFFCU Home Equity Loans. Cannot be used to refinance an existing AFFCU loan. The promotional APR is based on the value of an index of Prime minus 2.00%. The index is the Prime Rate at the time of the loan origination and is published in the Wall Street Journal. The home equity loan has a 10-year payback period. Rate ceiling is 18.00% APR. Minimum loan amount is $25,000 with a maximum 10-year fixed-rate term. Maximum loan amount is 85% loan-to-value. We may not extend credit to you if you do not meet Atlantic Financial Federal Credit Union criteria. Existing AFFCU Home Equity loan members must increase current line by at least $25,000 with a minimum initial disbursement of $10,000. For every $1,000 borrowed at 3.50% APR your payment will be $11.07 monthly. Consult with your financial advisor about potential tax savings. Please consult with an Atlantic Financial Federal Credit Union representative for more information.

.

When you need cash, turn to your two greatest assets – the equity in your home and AFFCU. Whether you’re considering a remodel or home project, consolidating debt, or any other major purchase, let AFFCU help you get access to those funds in a smart cost-effective way.

Special Rates Available through July 31, 2018

Other common uses for a home equity loan include:

Large Medical Expenses

Personal Debt Payments

Ask A Question

Offer valid on applications between September 1 through October 31, 2019.