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The American 1 Online Banking & Mobile App will undergo system maintenance on Monday, March 23, from 8:00 PM to 10:00 PM. During this short period, members may experience limited access to certain OLB functions.

Home Equity Loans

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Home | Borrow | Loans | Home Equity Loans
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Tap Into Your Home’s Value

Make Someday Today

You’ve built equity in your home—now put it to work for what matters most. Whether you’re planning a renovation, consolidating debt, or funding life’s big moments, a Home Equity Loan or Line of Credit from American 1 gives you flexible, affordable financing with the support of your local credit union.

Know exactly what you need—download our Home Equity Member Checklist.

 

get started now  

Golden piggy bank in a house

 

Why Choose American 1?

  • Competitive rates
  • No closing costs*
  • Fast, local decisions
  • Convenient access
  • Flexible Loan Options
    • Line of Credit – Access funds when you need them with debit-like convenience
    • Closed-End Loan – One-time lump sum with fixed payments and no surprises

Use It For...

  • Home improvements or repairs
  • Debt consolidation
  • Education expenses
  • Emergencies or unexpected costs
  • A big moment you’ve been planning for

*No fees in most cases, but an appraisal fee and/or title insurance may be required at member’s expense
NMLS 410447. For further information on NMLS registration, click here.**

Need to check your credit score? Try 'Credit Score & More' available through our Online Banking App

Home Equity Disclosure
Tax laws are subject to change and individual tax situations vary

2. All loans/lines of credit are subject to approval and underwriting requirements. Appraisal or title search may be required.

3. . Subject to credit approval and underwriting requirements. Visit https://www.american1cu.org/credit-cards/rewards-card to learn more. Visa Disclosure https://www.american1cu.org/privacy-and-disclosures/visa-disclosure

Equal Housing Opportunity