Get Help with All Kinds of Home Loans

Your home is an important investment. From buying a home for the first time — whether new, used, or manufactured — to improving your home, or even leveraging your home’s value, SACU has loans tailored to your situation. Explore all the options, right here.

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Explore Home Loans

Home Purchase or Refinance Loan

Whether you’re ready to buy a home for the first time, or need to refinance your existing home at a better rate, turn to SACU.

  • Competitive fixed rates
  • Low closing costs and down payments
  • Terms up to 30 years

Home Equity Loan

If you’ve spent years investing time and money into your home, it may be time to explore ways to leverage its value.

  • Low, fixed interest rates
  • Terms up to 20 years
  • No prepayment penalties

Home Improvement Loan

Make your home better in any way you can imagine — from remodeling to landscaping — with an SACU Home Improvement Loan.

  • Low, fixed interest rates
  • Terms up to 20 years
  • No prepayment penalties

Manufactured Home Loan

Make your dream of home ownership a reality with great loans on manufactured homes you can access through SACU.

  • Single and multi-section new or used homes
  • Purchase or refinance options
  • No prepayment penalties
More From SACU

Easy Online Access

With a home loan from SACU, you can access personal, up-to-date loan information online, anytime — including current balances, transaction history, payment due dates, and more — with our online banking.

Home Financing Calculators

Need to explore whether you can afford the home you want? Use our calculators to calculate payments and make comparisons.

Point of Sale Financing

As an SACU member, you can get easy financing when making purchases at participating area merchants — many of whom have products that can help improve your home.


Get Pre-Approved!

When you know what you can borrow, it’s easy to make a great decision. Fill out our online application for any home loan. Fast answers help you negotiate with confidence.

Membership Matters

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Ready to Get Started with SACU?

Everything we do is in the best interest of our members. To become part of our financial cooperative apply for SACU membership today!