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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).

Visit our Home Loan Center to get started!


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


Requirements to maintain and provide insurance – Lender Placed Insurance

During the life of your loan, you are required to maintain and provide proof of insurance. If at any time during your loan term, you do not have insurance on your collateral, we will add insurance coverage to your loan that covers our requirements. The cost of the insurance will be added to your loan, increasing your outstanding loan balance and potentially changing your loan payment. If your insurance agent or company changes during the life of the loan, you are required to notify us.

To provide proof of insurance, send your insurance declarations to:


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.

AGCU's Fee Schedule is being amended as of May 1, 2019.Learn more