Routing# 262275835
Local Home Loans
Local Servicing | Local Expertise
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.
*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.