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Rates & Fees

Adjustable Rate Mortgage (ARM) & Land — Introductory Variable Rates

Loan Term APR* as low as
1 Year Lock - 10% Down7.25%
1 Year Lock - 20% Down6.25%
3 Year Lock - 10% Down7.50%
3 Year Lock - 20% Down6.50%
5 Year Lock - 10% Down7.75%
5 Year Lock - 20% Down6.75%
7 Year Lock - 10% Down8.00%
7 Year Lock - 20% Down7.00%

* 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 Term10% Down, As Low As*20% Down, As Low As*
10 Years** (120 mos.)7.75%7.25%
15 Years** (180 mos.)8.25%7.75%
20 Years (240 mos.)9.00%8.50%
30 Years (360 mos.)9.25%8.75%

* 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.

Flex Mortgage Rates

Loan TermAPR* Payback
3 Year Lock6.75%.75%

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 Type APR* Payback
Home Equity Zero*8.50% 1.00%

* Interest subject to change on a quarterly basis

Home Equity Loans—Fixed Rates

Loan TypeLoan Term10% Down20% Down
Home Equity X 10 Years7.75%7.25%
Home Equity XV15 Years8.25%7.75%
Home Equity XX20 Years9.00%8.50%

New Mobile Home—Fixed Rates

Loan Term10% Down
10 Years (120 mos.)10.35%
15 Years (180 mos.)10.90%
20 Years (240 mos.)11.10%

Note: Includes mobile homes on leased land - no real estate.

Used Mobile Home—Fixed Rates

Loan Term10% Down
5 Years (60 mos.)12.75%
8 Years (96 mos.)12.75%
10 Years (120 mos.)12.25%
15 Years (180 mos.)12.25%

Note: Includes mobile homes on leased land - no real estate.

Loan Calculator

Format: 12M, 36M, 3Y, 7Y

More Info

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

That’s why we do helpful things like let you apply extra payments directly to the principal balance of your loan or use our Digital Banking service to set up recurring payments and monitor the progress of your home loan. We also offer optional debt protection and, not to brag, but our member service is the best in the business.

Frequently Asked Questions

  • How do I make a loan payment?

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

  • Can borrowers use their savings or share certificate balances as collateral for a loan?

    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.

  • What is the maximum term for a “land only” loan with Acadia FCU?

    The maximum term for a “land only” loan is 15 years.

  • Does Acadia loan money to buy a mobile home on leased land?

    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.

  • Does Acadia FCU offer loans for purchasing land?

    Yes, we certainly do have financing options if you wish to borrow for land. Please visit this page for for info and our rates page for loan rates and terms. Please keep in mind that the maximum term on land is 15 years.

  • Can I make a loan payment using a debit card, credit card, or by ACH?

    Acadia will accept your loan payment via Express Pay, using a debit card or ACH using another financial institution. We are unable to accept credit cards as a payment type, due to regulations put forth by legislation. To make a payment via debit card or ACH, you can call us at 1-855-692-2234, contact us through Live Support in the lower right corner of our website, or take care of the payment yourself using our Web Payment Center,  hosted and managed by Bacon Pay/SWBC. Click “Register” if you don’t have a payment account set up.

    Keep in mind that you will be assessed a fee when you perform this self-guided transaction, which is $5 at the time of this posting (subject to change at any time). The maximum payment that can be made this way is $1,000. You will need to know your account number to register your Acadia FCU account for this service.

    For other ways to make a loan payment, check this page.

    Note: If you are unable to perform this self-guided service through the Web Payment Center and need an Acadia FCU Member Service Representative to assist you, the fee is $10 at the time of this posting (subject to change at any time).


  • Does Acadia FCU offer home equity loans and/or a home equity line of credit (HELOC)?

    We sure do! Please contact our lending department for more information. You may see the current rates here.

  • Does Acadia have any loan offers or other promo or savings opportunities at this time?

    Check out this page to see what exciting specials or promotions Acadia has going on right now!

  • Where can I find Acadia’s disclosures or new account forms and applications?

    You can find all of Acadia’s important disclosures and various account applications right here.

  • ​What documentation do I need to provide?

    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.

Need help? Send us a message.

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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