Build your home. We’ll help finance it.
Building a home is a big undertaking, and having the right financing can make all the difference. Acadia FCU offers construction loans with competitive financing options and local service to help you move your project forward—from plans on paper to a place you can call home.
Financing built for your plans.
Whether you’re building your first home or creating the home you’ve always wanted, Acadia FCU offers construction financing with the same competitive rates available on our fixed-rate and adjustable-rate mortgages.
Throughout construction, funds are disbursed as your project progresses, with our lending team helping manage the process along the way. Explore current rates and talk with one of our lenders to find the financing option that works for your project.
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Competitive mortgage rates
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Fixed-rate and adjustable-rate options
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Funds disbursed as construction progresses
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Local lending decisions and personalized service
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Experienced lenders to help guide you through the process
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Financing designed specifically for new home construction
Rates as low as
Homeowners Insurance: 100
Mortgage Insurance: 167
Acadia FCU provided exceptional service throughout the whole process of purchasing our new home. Knowing that our mortgage will be held locally rather than sold on the secondary market reassured us that we will always have personalized service. Within a few weeks, rather than months, we were sitting happily in our new home!
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Yes, borrowers must be the primary holder on an Acadia FCU account. A joint member will need to open their own account so they are the primary member.
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You will need to bring your last two years of tax returns and W-2’s and the last 30 days of pay stubs from your current employer.
If this is a PURCHASE, please also bring your Purchase and Sale Agreement, a listing information from a real estate agent, and your real estate tax information.
If this is a REFINANCE, we’ll need your latest mortgage statement showing balance owed, your homeowners insurance policy ‘Declaration’ page, and your real estate tax bill.
If this is a HOME EQUITY LOAN or LINE OF CREDIT request, we’ll need your mortgage statement with the balance of first mortgage, the homeowners insurance policy ‘Declaration’ page, the real estate tax bill, and estimates for repairs or improvements that will be done.
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Yes, we do offer loans for mobile homes on leased land. However, since the dwelling is not on a piece of land, it’s not considered real estate, so we follow mobile home loan rates for such purchases. Rates for mobile homes can be found on this page.
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Yes – a share-secured loan lets you borrow money using a savings account, a share certificate (also known as a CD in the banking world), Acadia Super Saver account, or Acadia Star Money Market account as collateral. We’ll “freeze” the amount you’d like to borrow and while the amount won’t be available for withdrawal, it will remain in your account and continue to earn dividends. Share-secured loans allow you to keep the money you have worked so hard for! As you pay down the loan, your funds become available to you again. A share-secured loan is also a great way to build or rebuild your credit score.
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We have many ways available to accept a payment on your Acadia FCU loan. Check this page for all the details!
Advanced Options
Property Tax Rate
The tax that you are required to pay as a property owner levied by the city or municipality. Lookup your county rate or state average rate for a more accurate calculation.
Homeowners Insurance (Monthly)
The standard insurance policy that covers damage to your property and the things you keep in it. The average annual homeowners insurance premium is around $1,200.
HOA Fees (Monthly)
These are dues that are used by a homeowners association toward maintenance of common areas used by all homeowners in a housing development or complex.
Private Mortgage Insurance Rate
The premium for the insurance policy for FHA loans and conventional mortgages if your down payment is less than 20%. PMI typically costs between 0.5% to 1% of the entire loan amount on an annual basis. Only calculated if down payment is less than 20% of mortgage amount.
Disclosure
This calculation represents an estimate. Calculation does not factor credit score. Default input values are estimates.
Rates
Adjustable Rate Mortgage (ARM) & Land — Introductory Variable Rates
| Loan Term | 10% Down, As Low As* | 20% Down, As Low As* |
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| 1 Year Lock - 10% Down |
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| 3 Year Lock - 10% Down |
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| 5 Year Lock - 10% Down |
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| 7 Year Lock - 10% Down |
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Rates effective as of: October 8, 2026
* Actual rate determined by credit score
Note: For mobile homes on leased land, please refer to new and used mobile home rates.
Residential Mortgage & Land — Fixed Rates
| Loan Term | 10% Down, As Low As* | 20% Down, As Low As* |
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| 10 Years** (120 mos.) |
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| 15 Years** (180 mos.) |
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| 20 Years (240 mos.) |
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| 30 Years (360 mos.) |
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Rates effective as of: October 8, 2026
* Actual rate determined by credit score
** Maximum term on land is 15 years
Note: For mobile homes on leased land, please refer to new and used mobile home rates.
Home Equity Line of Credit (HELOC)—Variable Rates
| Loan Term | APR* | Payback |
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| Home Equity Zero* |
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Rates effective as of: October 8, 2026
Note: For mobile homes on leased land, please refer to new and used mobile home rates.
Flex (HELOC) Mortgage Rates
| Loan Term | APR* | Payback |
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| 3 Year Lock |
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Rates effective as of: October 8, 2026
Note: For mobile homes on leased land, please refer to new and used mobile home rates.
Home Equity Loans—Fixed Rates
| Loan Type | Loan Term | 10% Down | 20% Down |
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| Home Equity X | 10 Years |
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| Home Equity XV | 15 Years |
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| Home Equity XX | 20 Years |
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Rates effective as of: October 8, 2026
New Mobile Home—Fixed Rates
| Loan Term | 10% Down |
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| 10 Years (120 mos.) |
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| 15 Years (180 mos.) |
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| 20 Years (240 mos.) |
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Rates effective as of: October 8, 2026
Note: Includes mobile homes on leased land - no real estate.
Used Mobile Home—Fixed Rates
| Loan Term | 10% Down |
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| 5 Years (60 mos.) |
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| 8 Years (96 mos.) |
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| 10 Years (120 mos.) |
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| 15 Years (180 mos.) |
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Rates effective as of: October 8, 2026
Note: Includes mobile homes on leased land - no real estate.
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