Access the Equity in Your Home
- Get money out of your home and use it for anything you want.
- Make repairs or home improvements and increase the value of your home.
- Pay for college tuition or pay off high-interest credit card debt. It’s your money to do with as you wish.
Popular Loans
FHA Loan
Refinance your existing FHA loan into a low fixed rate or adjustable rate mortgage and get cash out up to 85%... learn more >
VA Loan
Take advantage of the lowest rates available and refinance your existing VA loan to receive cash out up to 90%... learn more >
30 year Conventional Loan
Most popular mortgage. Enjoy the security of a fixed rate loan that doesn’t change... learn more >
5/1 Adjustable Rate Mortgage
Save even more money with an adustable rate mortgage. No pre-payment pentalty, amortized over 30 years... learn more >
Reasons to choose Emery Federal Credit Union
- Personalized service from start to finish.
- Peace of mind by working with a trusted and established lender since 1939.
- The lowest rates and Minimal to No Out-of-Pocket cost loans available.
- Flexibility to choose from among the nations top lenders for a program that fits your needs.
- 15 Year Fix*Rate: 3.00% | APR: 3.09%
- 5 Year ARM*Rate: 3.25% | APR: 3.30%
- 30 year Fixed*Rate: 3.75% | APR: 3.80%