Liberty Loan
Ready to say goodbye to your mortgage ahead of schedule? The PACU Liberty Loan is your fast-track option.
Pay Off Your Home Faster
With a low fixed annual percentage rate (APR) and repayment terms up to 12 years, our Liberty Loan is for people who aren’t here to stretch things out. They’re here to pay things down.
Key Benefits
- Low fixed interest rate: 4.75 APR1.
- Terms up to 12 years.
- Closes in half the time of conventional loans.
- $400 credit toward total closing costs2.
Worth Considering if You:
- Plan to refinance to pay off your home faster than with a conventional loan.
- Have a credit score of 700 or higher.
- Reside in North Carolina, South Carolina or Virginia.
We’re Here to Help
At PACU, we want to help you take control of your financial future. Open an account or schedule an appointment with one of our trusted advisors to learn more.
Headquartered in Winston-Salem, North Carolina, and founded in 1949 within the aviation industry, Piedmont Advantage Credit Union (PACU) serves member-owners, who reside, work, worship, attend school or operate a business in one of the six counties it serves in North Carolina or who are employed by one of its many employer companies. These six counties are Davie, Forsyth, Guilford, Iredell, Mecklenburg and Rockingham.
Disclosures
1Annual Percentage Rate. As of September 1, 2025, the Liberty Loan has a fixed rate of 4.75% APR with a term up to 12 years. Liberty Loan is subject to credit and property approval. Minimum credit score of 700 is required. Maximum loan-to-value of 85%. Rates and terms subject to change without notice and other restrictions may apply. Estimated monthly payment on a $100,000 loan at 4.75% APR for 144 months would be $912.40.
2Applicable closing costs may vary depending on the location of collateral. Credit of $400 toward applicable closing costs available for Liberty Loans secured by eligible real property in North Carolina, South Carolina, or Virginia. Eligible real property consists of 1-4 family residential real estate, and excludes rental properties and manufactured homes. Flood and/or property hazard insurance may be required. Typical Liberty Loan closing costs and fees include appraisal fees, attorney’s fees, title searches, title insurance, flood determination, survey (if required), taxes, deed-recording fees and credit report charges and range between 2.00% to 7.00% of the purchase price or property value for a refinance.
All loans are subject to credit approval. Rates vary based on loan type, term, and creditworthiness.