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Routing/ABA # 275082471

Home Equity Loans

Dreaming about a new kitchen, a new deck, a vacation, or consolidating your debt? A home equity loan from AppleTree Credit Union is a great way to accomplish all the things you have been putting on hold. If you are looking for a loan with a fixed loan amount and fixed interest rate or a line of credit to use as needed AppleTree has you covered.

Home Equity Line of Credit (HELOC)

An AppleTree Credit Union HELOC give you the flexibility to use as much or as little of your credit line as you need. You will not be charged interest on the unused portion of your HELOC, or pay an annual fee. You can take an advance from your HELOC, pay it to $0, and then advance it again all without reapplying. A HELOC is a convenient, affordable loan - ready to use when you need it.

  • Variable APR (Prime + 0%)
  • Low closing costs
  • 10 year draw period
  • Minimum advance: $100
  • No annual fee
  • No early payoff penalty
  • Payment is 1.5% of the balance, as of the last advance, or $75 whichever is greatest.

Second Mortgage

An AppleTree Credit Union Second Mortgage will give you the security of a fixed interest rate and fixed loan term. Your loan balance is secured upfront in one lump sum. Take advantage of a 5 year of 7 year term with the option of amortizing your loan payment up to 15 years.

  • Fixed APR
  • Fixed loan term
  • Low closing costs
  • No early payoff penalty
  • No annual fee
 

Home Equity Line of Credit

Loan TypeTermAPR
New--Intro Rate*12 Month*2.899%*
80% LTVPrime+0%3.25%
90% LTVPrime+1%4.25%

APR is Annual Percentage Rate. Normal lending policies apply. Assumes electronic payment and e-statement sign-up. Variable APR available on owner-occupied, 1-4 family primary residences currently not for sale. Rates subject to change monthly on the first Monday following any change in the Prime Rate, currently 3.25% as of March 16, 2020, as published in the Wall Street Journal. Maximum APR is 17.39%. Payment is 1.5% of the unpaid balance as of the last advance or $75 whichever is greater. Minimum line of credit is $10,000. Closing costs are $295 for loans under $99,999, excluding an appraisal. If an appraisal is needed, these fees range from $375 - $900. 90% LTV (loan-to-value) or less. Property insurance required. No annual fee.

*Intro rate is locked for 12 months from closing date and then will change to Prime +0%. This intro rate is available for homes with a LTV (loan-to-value) up to 80%. Intro rate available once per member and property. Excludes ATCU refinances.

 

Second Mortgage

Mortgage TypeTermAPRPYMT/$1000
80% LTV603.699%$18.29
 844.399%$18.86
90% LTV604.699%$18.74
 845.399%$14.33

APR is Annual Percentage Rate. Normal lending policies apply. Assumes electronic payment and e-statement sign-up. APR available on owner-occupied, 1-4 family primary residences currently not for sale. Minimum loan amount is $10,000. Closing costs are $295 for loans under $99,999, excluding an appraisal. If an appraisal is needed, these fees range from $375 - $900. 90% LTV (loan-to-value) or less. Property insurance required. Loan can be amortized up to 15 years. Excludes ATCU refinances. NMLS ID: 446368.

Mortgage Loan Originator NMLS #
Wendell Gladem 565412
April Kaufmann 565414
Susan Dodge 408009
Tyson Taylor 486998
Alison Watson 487100