Use the equity in your home whenever you need fast cash!

Using the equity in your home is a great way to pay for a variety of things, such as home improvement, education or medical expenses, or even to consolidate debt! A fixed second mortgage is a quick and easy source of funds with a set payment amount and a set due date.


  • No origination fees

  • No closing costs

  • No prepayment penalties

  • Fixed interest rates

  • Terms up to 10 years

  • Borrow up to $100,000 with LTV up to 80%

  • Borrow up to $75,000 with LTV up to 85%

  • Borrow up to $50,000 with LTV up to 100%

Second Mortgage Loan Rates

Current as of May 17, 2022

Loan Term LTV & Rate (APR) Max Loan Amount

60 Months

80% LTV at 3.80%*

85% LTV at 4.99%*

90% LTV at 5.35%*

100% LTV at 6.15%*


84 Months

80% LTV at 4.15%*

85% LTV at 5.40%*

90% LTV at 5.75%*

100% LTV at 6.40%*


120 Months

80% LTV at 4.35%*

85% LTV at 5.65%*

90% LTV at 5.99%*

100% LTV at 6.60%*



Ready To Apply For Your Second Mortgage?

It only takes a few minutes. Start your application today!


How It Helps You

How It Works

Save Money  Saves Money

Competitive rates

Save Money  Saves Money

Tax-deductible interest
(check with tax professional)

Save Time  Saves Time

Quick application and approval process both in-branch and online

Convenience  Convenient

Automatic payment options

Peace of Mind  Peace of Mind

You have funds available when you need them

Peace of Mind  Peace of Mind

You have insurance options with TruStage Insurance

What's The Difference Between A Second Mortgage And A Home Equity Line Of Credit?

Both options use the equity in your home, but there are key differences.


Second Mortgage

Home Equity Line of Credit

Fixed Interest Rate

Variable Interest Rate

Lump Sum Amount with a Fixed Term and Payments

Draw Money As You Need It

Pay Interest Only on the Amount You Draw

Even More To Love

Check out these other great products and services from ACU!


Make sure you and your family are protected!


Hit the road to your next adventure!

Ready To Apply For Your Second Mortgage?

It only takes a few minutes. Start your application today!

*Rate (APR)= Annual Percentage Rate. Rates subject to change at any time and are not guaranteed. Your actual rate may vary depending on a variety of factors including, but not limited to: your credit score and history, Loan to Value ratio, current mortgage status, and type of loan. For a payment or rate quote, please contact an ACU loan officer at 801-399-9728.

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