Step into your dream home

Whether you’re looking to buy your first home, refinance an existing mortgage, tap into your home’s existing equity, or build your dream home, our home loan solutions can help you achieve your goals.

As a Credit Union member, you have access to competitive rates on mortgages to purchase a new home or refinance your existing home. Our experts are ready to help you every step of the way.

You can apply online in as little as 20 minutes. Once completed, your application will be reviewed for approval.

Apply Today

If you’d like to learn more about any of our real estate loans, contact us. We’re here to help. Our goal is to provide the highest level of service at competitive rates. Contact an APCO Loan Officer at 205-226-6800. There is no obligation, just your opportunity to make sure your current mortgage option makes sense and to see if we can save you money with our low-cost APCO loans.

Home Loans



30 Year Fixed RateGet Rate
20 Year Fixed RateGet Rate
15 Year Fixed RateGet Rate
10 Year Fixed RateGet Rate
7 Year Fixed RateGet Rate
7 Year Adjustable RateGet Rate
5 Year Adjustable RateGet Rate
30-Year First Time HomebuyersGet Rate
15-Year First Time HomebuyersGet Rate

All rates are subject to change without notice.

* Your APR will vary based on your final loan amount, credit history, loan to value, margin, and finance charges.

Quote is based on a minimum credit score of 680 and loan amount of $100,000 at 80% LTV

Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

Please note that the interest rate and fees shown here are available to borrowers with an excellent credit history. The actual interest rate and fees available to you will be based on your credit history and may be different than the rates displayed here.


Your savings federally insured to at least $250,000 and backed by the full faith of the United States Government. NCUA, National Credit Union Administration, a U.S. Government Agency. Equal Housing Opportunity Lender.