Home Equity Loans at
affordable rates.
Take advantage of our limited-time special 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

Limited-Time Promotional Details

Home Equity Line-of-Credit 

  • 3.00% APR Introductory Rate for 12 Months, and as low as 4.00% variable APR thereafter1,2
  • 5 year draw / 15 year repayment
  • Minimum initial disbursement of at least $10,000 or greater  
  • Maximum CLTV 85% 
Apply Now!
Apply Now!

Home Equity Loan  

  • As low as 4.00% APR1,3
  • 10-year fixed-rate term maximum 
  • Minimum loan amount of $15,000 or greater 
  • Maximum CLTV 90% 

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!"

Get your home equity loan or home equity line of credit in the month of April and experience no application fee, no points, and no annual fee, along with other great offers
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 

  • 3.00% APR Introductory Rate for 12 Months, and as low as 4.00% variable APR thereafter1,2
  • 5 year draw / 15 year repayment
  • Minimum initial disbursement of at least $10,000 or greater  
  • Maximum CLTV 85%
Apply Now!

Home Equity Loan  

  • As low as 4.00% APR1,3
  • 10-year fixed-rate term maximum 
  • Minimum loan amount of $15,000 or greater 
  • Maximum CLTV 90% 

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 July 31, 2018. Adequate property and flood insurance required, if applicable.

 ² 5-year draw, 15-year payback. Introductory rate is a variable rate of Prime minus 2.00% for 12 months, subject to a minimum of 2.00%. This results in the APR stated above, but it can change based on prime. Offer is valid on qualified new home equity line of credit applications received between now and July 31, 2018 with a minimum initial draw of $10,000 and 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 minimum APR that can apply is 2.00% and 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 introductory 3.00% APR your payment will be $6.91 monthly. For every $1,000 borrowed at the current rate of 4.00% APR your payment will be $7.40 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. Rates effective as of 7/1/18

³ Available only on new AFFCU Home Equity Loans. Cannot be used to refinance an existing AFFCU loan. The promotional APR in effect is based on the value of an index of Prime minus 1.00%. 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 $15,000. Maximum loan amount is 90% 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 4.00% APR your payment will be $11.32 monthly. Consult with your financial advisor about potential tax savings. Please consult with an Atlantic Financial Federal Credit Union representative for more information. Rates effective as of 7/1/18

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, a dream vacation, a child’s wedding, education or any other major purchase, let AFFCU help you get access to those funds in a smart cost-effective way.

Vacation

Special Rates Available through July 31, 2018

Vacation

Special Rates Available through July 31, 2018