Mortgage Financing That You Can Trust
Whether you're making your first home purchase, relocating or refinancing an existing mortgage to lower your rate, Andover FCU’s dedicated mortgage team is here to help you make the right financing decision.

 Put Your Equity to Work
Your home may be your single biggest investment. Make it work harder for you with a Home Equity Loan from Andover FCU. We offer competitive rates, easy application processes, and the advice of our knowledgeable staff. Learn more about our great rates.

Benefits of Home Equity FinancingLow interest rates and tax advantages make home equity financing a smart decision.

• Flexibility – Borrow for any purpose: debt consolidation, home improvement, college tuition, whatever you need.
• Lower Rates – Borrow at lower rates than with personal loans and credit cards.
• Tax Benefits - The interest on Home Equity Loans is tax deductible, within certain limits. Chances are you’re paying much more on other personal loans and credit cards – without the tax benefits of a Home Equity Loan. Contact your tax advisor to learn more or visit the IRS Web site at www.irs.gov
• Fixed monthly payments – Pay a predictable monthly amount
• Fixed terms – The interest rate and term remain the same for the life of the loan
• One lump sum advance – Appropriate for managing large expenses when the amount needed is known in advance

Curious about how much to borrow and what your payments may be? Our loan calculators can help you plan. For complete details or to apply in person, please contact Member Services. 

 Consumer Loans
AFCU offers a variety of loans to help you achieve your goals. We offer attractive rates, convenient application processes, and easy access to your account information.

• Auto Loans – Borrow up to 100% of the selling price with terms up to six years (72 month) for new autos. Borrow up to 90% of the N.A.D.A. book value with terms up to four years for used autos. Check out deals with Enterprise – AFCU members can enjoy great deals on used cars from Enterprise. Visit the Enterprise Web site to learn more.
• Secured Loans – Borrow up to 100% of your savings balance. Enjoy a lower rate of interest with longer, more flexible terms of up to 60 months.
• Personal Loans – Borrow up to $10,000 for a maximum of 48 months. Your rate is fixed for the life of the loan.
• Overdraft Protection – This revolving line of credit automatically covers checking account overdrafts up to your available credit limit. You may qualify for up to $500 in protection.

Curious about how much to borrow and what your monthly payments may be? Our loan calculator can help you plan.

• Print and fax your completed application to (978) 475-6225.
• Apply in person during office hours.

Access Loan Account Information
When you borrow with AFCU, it’s easy to track your account information.

• Use our automated telephone service, Audio Response, to check your loan balance, make a payment and get additional information about your loan account. Call (978) 470-8300. Audio Response is available 24 hours a day.
• Loan account information is available with your quarterly statement.