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Acadia Home / Land Loans & Lines of Credit

Ready for a home of your own, or even a parcel of land? We can help you fulfill your dreams without the wait.

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We want your home or land loan experience to be a great one.

That’s why we offer flexible features—like allowing you to apply extra payments directly to your loan’s principal balance. You can also use our convenient Digital Banking service to set up recurring payments and track your loan’s progress. Looking for more options? We also offer home equity loans and home equity lines of credit (HELOCs) to help you make the most of your property’s value.

  • No application fees

  • No pre-payment penalties

  • Weekly, bi-weekly, or monthly payment schedules

  • Fixed rates: 10–30 years & 15 years for land

  • Make and review payments via online banking

3.99% APR* HELOC

Whether you're imagining a brand-new kitchen, planning a well-deserved vacation, or consolidating debt, your home's equity can be the key to making it happen! For a limited time, enjoy a stellar 3.99% APR* on Home Equity Line of Credit (HELOC) advances.

⭐ 3.99% fixed APR* on advances made thru 10/31
⭐ Rate locked through 10/31/26

Your home's value will fuel your dreams. Shoot for the stars and tap into YOUR home's value TODAY!

Shoot for the Stars HELOC Disclosures

  • *Promotional Annual Percentage Rate (APR) of 3.99% is available for advances made between May 01, 2025 and October 31, 2025. The 3.99% APR is fixed and will apply to those specific advances through October 31, 2026. Beginning November 1, 2026, the APR on any remaining balance from those advances will revert to the standard variable rate in effect for Acadia FCU’s HELOC product at that time. The current non-promotional APR is as low as 6.75% and is subject to change monthly. Membership eligibility required. Offer subject to credit approval. Additional terms and conditions may apply.

Rates as low as APR*

Monthly Payment
Property Tax: 167
Homeowners Insurance: 100
HOA Fee: 0
Mortgage Insurance: 167
Loan Amount
$
Down Payment
$
Rate (APR)
%
Term
Advanced Options

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!

— Erik & Catherine S.

members since 2017

Frequently Asked Questions

  • 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.

  • 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.

  • 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.

  • 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.

  • We have many ways available to accept a payment on your Acadia FCU loan. Check this page for all the details!

Have a question?

 

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Planned Digital Banking Outage & Notice for Acadia FCU Credit Card Holders Digital Banking will be unavailable for all users from roughly 6 p.m. to 10 p.m. on Friday, October 10. Acadia credit card holders, please read: NEW ACADIA FCU CREDIT CARD COMING 10/14!