Making a House a Home

United Credit Union offers a variety of home loans, including fixed-rate and adjustable-rate first mortgages and home equity loans. In order to qualify, you must live or work in one of our 16 counties, and the property must be located in one of our 16 counties as well. A list of those counties can be found by clicking here.  

First Mortgage Home Loan

Think of UCU first when you are looking for the home of your dreams -- we can help make your dreams come true, with a loan that is tailored just for you. Features covered:

• Home purchase or refinancing of an existing home loan
• Terms up to 30 years
• Qualified applicant may borrow up to 97% of sale price or appraised value (the lesser of the two) on purchase. (Loan-to-value may be lower on certain types of homes.)
• Please call for current interest rate and fee information
• Choose from fixed, 1 yr. adjustable, 3 yr. adjustable or 5 yr. adjustable rates

CLICK HERE TO APPLY NOW

Home Equity Line of Credit (HELOC)

Establish a UCU Home Equity Line of Credit and draw on it whenever you need funds for just about anything: a child's college education, a new car or boat, home addition or improvements, a fun vacation, Christmas, or whatever else your loan needs may be. Interest calculated only on the amount you borrow. Other features include:

• Borrow up to 90% of your home's value minus first mortgage balance if first mortgage is held at United Credit Union or if no current mortgage. Borrow up to 80% of your home's value minus first mortgage balance if first mortgage is held at another lender.
• Only available on your primary residence
• Draw period of five years
• Can use money for almost anything
• Easily accessible - on-line account access, TLC, phone and in person
• Adjustable rate based on prime rate and credit worthiness, not to exceed 18% APR*
• Rate subject to adjustment monthly
• Debt Protection is available on this product (Not NCUA/NCUSIF insured)

Fixed Home Equity

If you don't need the flexibility of a line of credit and would like to have more interest rate stability, a Fixed Home Equity loan may be just what you are looking for. You still use your most powerful borrowing tool to fund just about anything: a special vacation, college education, bill consolidation, etc.

• Borrow up to 90% of your home's value minus first mortgage balance if first mortgage is held at United Credit Union or if no current mortgage. Borrow up to 80% of your home's value minus first mortgage balance if first mortgage is held at another lender.
• Minimum loan of $2500
• Can use money for almost anything
• Fixed Rate throughout life of Loan
• Rate based on prime rate and credit worthiness
• Debt Protection is available on this product (Not NCUA/NCUSIF insured)

*APR = Annual Percentage Rate

CLICK HERE TO APPLY NOW

Land Loans

UCU is proud to now offer land loans. Whether you are looking to buy hunting land or land for a future build, we have the loan that is right for you. If the land you wish to purchase or refinance is for personal use, please contact our Mortgage Department.

However, if you are looking to purchase or refinance land for business purposes, you may want to speak to our Business Loan Representative. You may either call at: 573.581.8651 or e-mail for information.

CLICK HERE TO APPLY NOW

Construction Loans - Not Available

For more information, please e-mail our Mortgage Department or call: 573-581-8651.