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Acadia Homebuyers Assistance Program

You found your dream house, but you don’t have enough cash to cover the down payment. Don’t worry! If you’ve never owned a home, or haven’t in the last 3 years, you can borrow up to 5% of the purchase price as a down payment.*

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*Subject to approval. Maximum home purchase price $300,000 with $15,000 maximum down payment loan to any one buyer. Maximum debt to income ratio 42% and minimum credit score of 620 required. Club account for taxes and insurance, plus checking account with direct deposit required. Construction loans limited to manufactured housing. Leased land and land-only loans not eligible. Four-unit maximum on owner occupied multi-unit properties. Other restrictions may apply. Federally insured by NCUA. Equal Housing Lender.

Please note: The Acadia Homebuyers Assistance Program is a custom loan product designed to lessen the burden for homebuyers. As a credit union that deeply values our member relationships, we take the time to listen and understand our members’ needs. We have the flexibility to be creative, even curating new loan products right here in-house to best help our members along their financial journeys. This program is a result of that!

No Fee Visa Gift Cards until June 30, 2021!

Great for graduations, birthdays, anniversaries, baby showers, weddings, incentives, and so much more! Gift cards can be used in-store or online and won’t be regifted! Save time and let the recipient get what they really want. Visit any of our branch locations to get one today!

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*Purchase fee of up to $6.95 can be lower depending on where card is acquired. Varies by Financial Institution. Fee assessed by third party and is not assessed to the card. Monthly inactivity fee of $2.95 beginning the 13th consecutive month after there has been no activity on your card. Lost/stolen card replacement fee of $5. Visa® Gift Cards issued by MetaBank®, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Card may be used everywhere Visa debit cards are accepted in the US. Mastercard® Gift Cards issued by MetaBank, Member FDIC, pursuant to license by Mastercard International Incorporated. Card may be used everywhere Debit Mastercard is accepted in the US. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. No ATM or cash access.

Home Heating / Cooling Loans as low as 5.99% APR*

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Keep warm OR stay cool with a loan from Acadia Federal Credit Union! Install a new heat pump or update your existing heating system and finance for 12 to 60 months at a low 5.99% APR*! If you’re looking to purchase pellets, coal or heating oil, you can borrow for up to 12 months at the same rate! Call 1-855-MY-ACADIA for full details or apply online.

*Annual Percentage Rate / Subject to approval / Some restrictions apply

‘Score Saver’ Loan as low as 4.99% APR*

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Do you have poor credit or need to establish credit? If so, we can help! Our ‘Score Saver’ loan will help you build credit or repair your credit score! Borrow as little as $1,000 for a minimum term of 12 months for as low as 4.99% APR*. Make loan payments and receive full loan amount IN CASH after term-end, plus dividends! This is also a great opportunity for people who have trouble saving money! Call 1-855-MY-ACADIA for full details or apply online.

*Annual Percentage Rate / Subject to approval / Some restrictions apply

Christmas Club

While this isn’t technically a promo, it’s something that’s available year-round, because it’s never too early to plan on saving for Christmas! If  you wish you had a little more “breathing room” for your Christmas shopping, consider a Christmas Club to help you out. Earn interest on your money, no minimum balance needed, no service fees, and no penalties for withdrawal. Learn more right here.

PS: We usually have an awesome low-interest Christmas loan promo available a few months before Christmas! It’ll be listed on this page when we do.