Office Building Lending
Designed for investors in commercial use. Whether it’s for your business or to rent out to other businesses, it’s an investment to help build stronger communities with local businesses.

What is Office Building Lending?

Also known as commercial building and real estate loans, office building lending is a mortgage using commercial property as collateral or pledge to receive long-term financing to purchase, remodel or refinance the commercial property.

Office Building Lending Benefits
  • Competitive rates
  • In-house underwriting
  • Fixed and adjustable rate loan programs
  • Term financing up to $3,000,000 on initial purchase, remodel or refinance
Loan Payment Calculator

The loan amount, the interest rate, and the term of the loan can have a dramatic effect on the total amount you will eventually pay on a loan. Use our loan payment calculator to determine the payment and see the impact of these variables on a specified loan amount complete with an amortization schedule.

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that the company assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

Discuss Your Office Building Loan Today
ACCU is your financial partner, ready to know your mission field and help your business grow - no matter what phase you are in and no matter where you are in the country. Schedule a consultation with one of our relationship managers to get started.
Office Building Lending Frequently Asked Questions

Do I need personal membership with America’s Christian Credit Union member to apply for an office building loan for my organization?

You don’t need personal membership to start an office building loan application for your organization, but you will need to qualify for and complete membership for your organization to finish the process.

However, if you are applying as a sole proprietorship or independent contractor, you will need to qualify with personal membership with ACCU. We are all about a life-long relationship – and we want to serve those within various fields of business. You can file for personal membership starting here.

What is the interest rate?

The average interest rate for our office building loan is between 3.00% -12.00%. Interest paid supports other Christian ministries.

How do I get an Office Building Loan?

  1. Determine which commercial building or property you want to purchase
  2. Determine which loan type works best for your needs
  3. Check your credit score
  4. Gather all requested documents and lender information
  5. Apply for an office building loan

How much will a bank or credit union lend for an Office Building Loan?

It depends on the asset size of the financial institution, but at ACCU, we have term financing up to $3,000,000.

What states are available to receive an Office Building Loan?

This loan is only available to office buildings located in Arizona, California, Nevada, Oregon, and Washington.

1 – Loan approval subject to credit, income, property appraisal and qualifications. Costs may be associated with this loan. Offer not valid on current ACCU loans. Rates, terms and conditions subject to change or discontinue at any time and without notice. Federally insured by NCUA. Additionally insured by American Share Insurance.

APR = Annual Percentage Rate. Loan approval subject to credit, income, property appraisal and qualifications. Costs may be associated with this loan. Offer not valid on current ACCU loans. Rates, terms and conditions subject to change or discontinue at any time and without notice.