Routing# 262275835
Get a Mortgage That Gives Back
Receive up to a $2,000 Home Improvement Gift Card* after closing
Get a Mortgage That Gives Back
Receive up to a $2,000 Home Improvement Gift Card* after closing
For more than 65 years we’ve helped thousands of people just like you realize their dreams of home-ownership, and we understand the challenges and joys that come with buying a home – whether it’s your first home, second home or investment property. You can rely on Redstone Federal Credit Union® to guide you through every step of the home-buying process, from getting pre-approved to planning your move.
Prefer to work with a specific member of our team? Get started on our Mortgage Team Page.
Compare some of our most popular mortgage options below.
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Conventional Fixed-Rate Loans |
Adjustable-Rate Mortgage (ARM) |
First-Time Home Buyer |
VA Home Loans |
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Best ifIf you are buying a home that you plan to live in long term or like the predictability of a fixed rate Benefits & Features
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Best ifIf you are planning to move in the next five to seven years Benefits & Features
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Best ifIf you are a first-time homebuyer looking for easier qualifications and a no down payment option Benefits & Features
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Best ifIf you are a qualified military member, veteran, or surviving spouse wanting little to no down payment Benefits & Features
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Down payment and closing cost assistance programs may be available to help our members achieve their dreams of homeownership. Contact our mortgage team to see if you qualify.
*Home improvement gift card promotional offer (“award”) valid for members who apply and qualify for a first mortgage loan (purchase of primary residence only) and close the loan by 6/30/2023. Must use a valid property address. Property address at closing must match the address used at the time of application. Home Equity Loans, Home Equity Lines of Credit (HELOCs), Land Loans, and Commercial Loans, or the refinance of any mortgage, are not eligible for this offer. Offer may not be combined with any other discounts or promotions; limitations apply. Offer is subject to change or end at any time without notice. Member must be in good standing. Award will be issued to member within 30 days after closing. One award is permitted per eligible new first mortgage purchase loan. Award may constitute taxable income. Federal, state, and local taxes, and any use of the award are the sole responsibility of the recipient. RFCU employees and immediate family members are not eligible to participate in this promotion. Promotion is in no way sponsored, endorsed, or associated with any home improvement store. This promotion is not a commitment to lend, nor a guarantee that you will be approved for a mortgage from Redstone Federal Credit Union. Rates and terms are subject to change at any time without notice. The value of gift card will vary based on the loan amount. Loans up to $250,000.00 receive a gift card of $500.00; loans from $250,000.01 to $500,000.00 receive a gift card of $1,000.00; loans from $500,000.01 to $750,000.00 receive a gift card of $1,500.00; and loans over $750,000.00 receive a gift card of $2,000.00.
**Local loan servicing may not be available on VA loans. RFCU is not affiliated with any government agencies, including Veteran’s Administration (VA). The VA and RFCU are separate entities. RFCU is a VA-approved lender. Applicants will need to provide a Certificate of Eligibility (COE). The COE verifies to the lender that you are eligible for a VA-backed loan. See https://www.va.gov/housing-assistance/home-loans/how-to-request-coe/ for details. VA funding fee applies.
Mortgages are only available for properties located in Alabama and Tennessee.
Loans subject to credit approval. Must be eligible for membership and open a share savings account to obtain a mortgage loan product. A $5 minimum balance is required to open a share savings account and must be maintained in the share savings account at all times. Annual Percentage Rate (APRs) are determined by an evaluation of applicant credit at account opening. Your APR may be different. Variable rates are subject to change after consummation of the loan. Fixed APRs are fixed for the life of the loan. Other restrictions may apply. Rates, terms, and conditions are subject to change without notice. RFCU is an Equal Opportunity Lender. Contact Credit Union for details. Various types of mortgage loan programs and terms are available. Must have online banking user name and PIN/password to access online application for Home Equity Lines of Credit. Must create separate user name and password to gain access to mortgage application process.
1The interest on the portion of the credit extension that is greater than the fair market value of the house is not tax deductible for federal income tax purposes. Redstone Federal Credit Union® does not provide tax advice. Please consult a tax adviser for further information regarding the deductibility of interest and charges.
Are you ready to join the credit union that puts you first? Become a member of the Redstone family and you’ll start enjoying the great rates, personalized financial advice, and excellent customer service Redstone is known for.