We're in the business of making dreams come true and we want to help you Bring Your Backyard Back To Life this Spring. We take pride in helping our members achieve their real estate goals. 

Take advantage of our 1.99*% Home Equity Loan for 6 months.

To learn more, talk with any one of our knowledgeable mortgage professionals and let us help you get where you want to be. 

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Apply Online  Home Buyers Guide  

There are so many ways to use your AlaTrust HELOC:

• Make Home Improvements
• Consolidate Debts
• Take a Fall Vacation
• Purchase a New Car

*Additional restrictions/conditions may apply. AlaTrust home equity lines of credit (HELOCs) are available on primary residences located in the state of Alabama. You are invited to apply for a Home Equity Line of Credit (HELOC). This is not a commitment to lend; you must submit additional information for review and approval. Rate(s) and Annual Percentage Rate(s) ("APR(s)") are for illustrative purposes only and are subject to change without notice. APR During the Introductory Period: The variable Introductory APR is based on The Wall Street Journal Prime Rate ("Prime") minus a discount. Prime may change at any time and is subject to change without notice. The 6-month Introductory Period begins on the date of account opening. APR After the Introductory Period: After the Introductory Period ends, any and all remaining balances will automatically convert to the variable APR per the terms of the HELOC agreement. The variable APR is based on Prime plus a margin, and will vary with Prime. Your APR will not exceed 18% or go below 1.99% at any time during the term of your account. Sample APR assumes a new $100,000 HELOC in second lien position with a combined loan-to-value (CLTV) ratio of up to 70% on an owner-occupied single family detached primary residence and a borrower with excellent credit. APR may vary based on initial draw, actual CLTV, property value, property location, line amount and other factors. The term of a HELOC is 30 years: 15-year draw period, 15-year repayment period. Property insurance is always required and flood insurance is required where necessary. Certain property types are not eligible collateral. The variable minimum monthly payment will be an amount sufficient to repay the outstanding balance in principal and interest payments over the remaining term at the applicable APR, subject to a minimum payment of at least $100. The minimum line amount is generally $25,000. Please consult your tax advisor regarding interest deductibility. Other fees may apply. Contact your loan officer for full details. AlaTrust Credit Union is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act.