Explore More Loan Options for Every Season of Life!
Home Loans
Whatever your mortgage goal, we offer a wide array of loan solutions that are competitive with flexible term options.
- Fixed-Rate Mortgages
- Adjustable-Rate Mortgages
- 3% & 5% down payment options
Mortgage Refinancing
Lock in a lower interest on your current home loan when you refinance with us. We offer multiple refinancing options that will save you money so you can live your life with more financial freedom!
Home Equity Loans (HELOC)
Special time-limited 3.99% APR* Intro Rate Offer!
Take advantage of your home’s buying power with a Home Equity Line of Credit (HELOC). Renovate your home, pay medical bills, or consolidate debt and put your home equity to work for you!For a limited-time, we’re offering a LOW 3.99% APR* Intro Rate for the first 6 months! Variable rate, thereafter, of APR*. Offer ends 9/30/26.
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HELOC Rate1
TIME-LIMITED OFFER!
Get a Fixed Intro Rate of 3.99% APR* for 6 months!
Home Loan Rates
as low as 5.533% APR2
3% & 5% Down Payment
Options Available
Home Loan Mortgage Calculator
Use our Home Loan Mortgage calculators to find out exactly how much house you can buy! Explore your interest rates, principal payments, and more.
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Terms & Conditions
* APR=Annual percentage rate. Rate and terms effective 05/20/2026 and are subject to change without notice.
- Home Equity Line of Credit (HELOC): *APR=Annual percentage rate. Rate and terms effective 05/20/2026 and are subject to change without notice. After that, a variable APR of 7.50%–9.50% applies, based on creditworthiness. Variable rate based on The Wall Street Journal Prime Rate plus a margin determined by credit score and loan-to-value (LTV). A 0.25% discount applies when your first mortgage is with AdelFi. Rate adjusts monthly, with rates as low as 3.99% APR and up to 18.00% APR. Full appraisal required if CLTV exceeds 80% — at borrower’s expense and not covered by promotional offers. Typical appraisal costs range from $500 to $900, and recording fees generally range from $75 to $250 depending on county and state requirements. Applications with LTV above 80% are subject to Loan Committee approval. If an existing HELOC is already secured by the same property, the new HELOC must be processed as a refinance; the Credit Union will not assume a third lien position.
Payment Example:
Based on 30 days of interest: Monthly payment for $10,000 loan amount at 7.75% (current rate) would be principal and interest. The payment examples do not include taxes and insurance and the actual payment will be higher.
A $25 one-time membership fee applies if you do not have a deposit account when you become a member of AdelFi by applying for a loan. Fee will be waived if you open a deposit account within 30 days of loan approval. Visit adelfibanking.com/deposit-account. - For Adjustable Rate Mortgages: 5/6 Adjustable Rate is a 30-year amortization. After the initial fixed rate period has expired, the applicable interest rate and monthly payments will be adjusted semi annual or every 6 months based upon movements of an interest rate index. The amount of the initial monthly payments is based on an interest rate which may be less than the sum of the current index plus margin. Based on current market conditions, the fully indexed rate (once adjusted) is calculated by combining the margin and associated mortgage index.
Monthly payment for $100,000 loan amount at 5.691% (current rate) for 30 years would be $575.66 principal and interest. The payment example does not include taxes and insurance and the actual payment will be higher.
New purchase money maximum loan-to-value (LTV) ratio is 97%. Private Mortgage Insurance (PMI) is required on loans over 80% LTV. For refinance loans with cash out, the maximum loan-to-value ratio is 90% (PMI required) based on appraised value.
A $25 one-time membership fee applies if you do not have a deposit account at AdelFi. Fee will be waived if you have a deposit account or you open one within 30 days of loan approval. - ‡All loans are subject to credit approval.
NMLS Loan Originator ID: 504297