Mortgage Loans/Rates

Home Equity Loans

Choose from an open line of credit with a variable interest rate which adjusts monthly or our closed end fixed rate loan with a term up to 120 months. Maximum allowed is 90% of SEV (State Equalized Value) or a current certified Appraisal Minus any outstanding first mortgage balance. Rates and terms are available upon request. Certain restrictions apply.

APPLY FOR A LOAN

Loan Type Term Rate APR
Home Equity (Open Line of Credit)* Variable 4.750% 4.75%
Home Equity (Closed End Loan) 12-48 Months Fixed 4.250% 4.25%
Home Equity 60-72 Months Fixed 5.000% 5.00%
Home Equity 84-120 Months Fixed 5.750% 5.75%
All loans are subject to credit approval. Rates based on creditworthiness.
*Your annual percentage rate may vary monthly. The rate will be equal to the "Prime Rate" as quoted in The Wall Street Journal at the beginning of each month + .25%.
The maximum rate that may be imposed is 18.00%.
**with autopay from your UCCU saving or checking account

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Home Improvement

Terms up to 120 months. Rates vary depending on term of loan.

APPLY FOR A LOAN

Loan Type Term Rate APR
Home Improvement Loans 12-36 Months 5.75%** 5.75%
48-60 Months 8.75%** 8.75%
72-120 Months 8.75%** 9.754%
All loans are subject to credit approval. Rates based on creditworthiness.
The maximum rate that may be imposed is 18.00%.
**with autopay from your UCCU saving or checking account

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Mortgages

Offered through our Mortgage Center. They can be reached at 1-888-562-6865, or you can check out the Mortgage Center web site.
Mortgage Center logo and link to website

Loan Type Term Rate APR
Home Purchase 30 Year Fixed 4.625% 4.767%
20 Year Fixed 4.500% 4.662%
15 Year Fixed 4.250% 4.453%
10 Year Fixed 4.125% 4.469%

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Review our Diamond Member Rewards to find out how a loan with UCCU can help you earn additional rewards!

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