Ready for a home of your own, or even a parcel of land? We can help you fulfill your dreams without the wait. Acadia Credit Union will quickly review your application, get you answers, and match you with rates that work for you.
| Loan Term | 10% Down, As Low As* | 20% Down, As Low As* |
|---|---|---|
| 1 Year Lock - 10% Down | 7.25% | 6.25% |
| 3 Year Lock - 10% Down | 7.50% | 6.50% |
| 5 Year Lock - 10% Down | 7.75% | 6.75% |
| 7 Year Lock - 10% Down | 8.00% | 7.00% |
* Actual rate determined by credit score
Note: For mobile homes on leased land, please refer to new and used mobile home rates.
| Loan Term | 10% Down, As Low As* | 20% Down, As Low As* | |
|---|---|---|---|
| 10 Years** (120 mos.) | 7.50% | 7.00% | |
| 15 Years** (180 mos.) | 8.00% | 7.50% | |
| 20 Years (240 mos.) | 8.75% | 8.25% | |
| 30 Years (360 mos.) | 9.00% | 8.50% |
* 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.
| Loan Term | APR* | Payback | |
|---|---|---|---|
| 3 Year Lock | 6.75% | .75% |
Note: For mobile homes on leased land, please refer to new and used mobile home rates.
| Loan Type | APR* | Payback | |
|---|---|---|---|
| Home Equity Zero* | 8.00% | 1.00% |
* Interest subject to change on a quarterly basis
| Loan Type | Loan Term | 10% Down | 20% Down | |
|---|---|---|---|---|
| Home Equity X | 10 Years | 7.50% | 7.00% | |
| Home Equity XV | 15 Years | 8.00% | 7.50% | |
| Home Equity XX | 20 Years | 8.75% | 8.00% |
| Loan Term | 10% 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.
| Loan Term | 10% 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.
Format: 12M, 36M, 3Y, 7Y
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.
We have many ways available to accept a payment on your Acadia FCU loan. Check this page for all the details!
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.
The maximum term for a “land only” loan is 15 years.
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, 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.
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).
We sure do! Please contact our lending department for more information. You may see the current rates here.
Check out this page to see what exciting specials or promotions Acadia has going on right now!
You can find all of Acadia’s important disclosures and various account applications right here.
We also offer the following:
Home Equity Line of Credit – An open line of credit where you can use some or all of the credit limit. Depending on your balance, monthly payments may fluctuate. Many people use this for home repairs, upgrades, renovations, additions, and more.
Construction Loan – Typically used for new “Stick-Built” or “Pre-Fab” homes, garages, sheds, or additions, this loan has flexible financing options for construction projects at your new or existing home.
Flex Mortgage – With the flexibility of a Home Equity Line of Credit and the security of a mortgage, this loan will reduce your monthly payments but extend the term up to 20 years. Applicants must have 25% equity in order to be eligible for this type of loan. There is a $100,000 limit.
Fixed Home Equity Loan – This type of loan is typically used for home repairs, renovations, upgrades, and more, but is different from a Home Equity Line of Credit because of its fixed loan amount and fixed payments schedule.
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
