We offer mortgages, home equity & home equity line-of-credit (HELOC) loans with competitive rates, a simple application process and flexible terms. Consider our discounted insurance options as another way to save money and protect your investments.

Home Improvement

For times when you need quick access to funds for emergency home repairs or don't have sufficient equity in your home, we offer the Home Improvement Loan. Click here for details.
Apply for a Home Improvement Loan


Did you know...we can refinance your existing mortgage for a lower interest rate or access the available equity in your home to free up cash for debt consolidation, home improvements, your child’s college education... whatever your need!  And in most cases the interest is tax deductible.

Please contact: Janet Seeley (janet.seeley@ownerschoice.com) your personal Mortgage Consultant at ACMG, at 315-437-8614 with any mortgage-related questions you have.  If you would like to apply online, please be sure to reference ACMG and Janet Seeley at the end of the application to ensure a timely response.

Home Equity and Home Equity Line of Credit Loans:

  • Home Equity Loans are fixed rate loans that have the same payment each month for a specific term. Apply online.
  • Home Equity Line of Credit (HELOC) Loans are a variable rate loan that you access as you need it. The interest rate changes with the prime rate and you borrow at the best rate available at that time.  As you pay down your balance borrowed, you increase your available credit for future borrowing. Apply online.
Please leave a message or call an ACMG loan officer at 315-488-4433 or 315-701-4466 if you have questions or to start your application today!
Apply for a Fixed Home Equity Loan
Apply for a Home Equity Line of Credit Loan

How much could you save on car & home insurance? Get quote.
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* If you apply for any loan but do not meet the criteria for loan approval at the time of your application, we may not be able to extend credit to you.

We Do Business in Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Click here for complete information on the Federal Fair Housing Act.

ACMG follows the standards for licensing and registration established by the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act). Our registered Mortgage Loan Originators are: Melissa J. Carlson (794979), Janet L. Grant (794980), Jeanine M. Kavney (794981), Jelinek Cunningham (463219), Shari Weaver (88579), Vicki H. O’Neill (794984) and Mary Lou Ryfun (794983). Our Owners Choice mortgage consultant is Janet Seeley (1423680).


The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the locations where HMDA data may be inspected. To receive a copy of these data send a written request to 1753 Milton Avenue, Solvay NY 13209.


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Main Branch: ACMG Federal Credit Union
1753 Milton Ave. Solvay NY 13209
(315) 488-4433 or (800) 634-9239

Federally Insured by NCUA