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Individuals & Families

Home Loans

Ready to purchase your dream home? Outgrown your current house or are looking to downsize? Maybe renovations are around the corner? Let AGCU help you take the next steps. We offer loan programs tailored for your unique needs including fixed-rate first and second mortgages, adjustable-rate mortgages, and home equity lines of credit (HELOC).

First Mortgage

Buying a home for the first time can be a daunting task. We are here to help you every step of the way.

Second Mortgage

A second mortgage can allow you to use the equity in your home for investment needs. We offer a fixed rate option on our second mortgages with a maximum term of fifteen (15) years.

Several advantages of doing your mortgage loan with AGCU are:

  • Low closing cost
  • No pre-payment penalty
  • Retained servicing (excludes 30 year fixed)
  • Variety of payment options
  • Cash-out refinances on specific mortgage plans

Home Equity

Use the equity in your home for a line of credit that can help consolidate debt, make home improvements or fund major purchases.

If you are looking to consolidate your debt, make some home improvements or even pay for your child’s college expenses, a Home Equity Line of Credit (HELOC) is a great solution.

For qualified members, we offer a great rate with a maximum term of fifteen (15) years. We also pay all closing fees on loan amounts of $10,000 or greater on HELOCs. We even provide free convenience checks to make it easier to access your line of credit anytime you need to. Save a trip to the credit union and simply write a check instead!

AGCU offers HELOC’s in the following Missouri counties; Greene, Dade, Polk, Dallas, Webster, Christian, and Lawrence

Visit our Home Loan Center to get started!


When was the last time you shopped home insurance rates?

Take a look at AGCU Insurance and see if they can save you time and money on your insurance.


Contact a Mortgage Officer

Apply now, or contact our mortgage professionals at 866-508-2428(AGCU), email us for more information, or complete the form below and we will contact you.

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