Online Banking
Login to Home Banking
Login to Home Banking

Home Loans

Home Equity/Mortgage Loans

Looking for a new home? See us for your financing. Our mortgage product offers a competitive rate, low closing costs, and flexible terms. Whether you’re adding on to your home or wanting to consolidate some bills, we can help with a convenient home equity loan. 

All rates are expressed in Annual Percentage Rates (APR).

Rates subject to change without notice and are effective as of 2/17/2021.

Home Icon

Mortgage Loans

Please contact the credit union for current rate information. Applicants must meet UCCU credit guidelines.


UCCU Mortgage FAQs

PMI is protection for the lender in the event that you default on your primary mortgage and no longer make payments and the home ends up going into foreclosure. Most lenders require this insurance premium unless you put 20% down payment.  UCCU does NOT require PMI.

UCCU keeps all servicing rights for mortgages at this time.

We offer a 5 Year Balloon. This means the rate is fixed for 5 years.  At the end of every 5 year period you will refinance the loan balance at the remaining amortization term.

Initially we will require a completed mortgage application with proof of income. After review by management, we may request additional details on a case by case basis.

Your rate is fixed for 5 years.  At the end of the balloon renewal your rate can change based on the market and your credit score.  It is locked in for 5 years at a time.

It really depends, each transaction is different. UCCU could require 0%-30% down payment, depending on your credit score.  There will also be closing costs associated with each transaction.

Closing costs vary with each transaction. UCCU does NOT have origination fees.

We are required to obtain an unbiased professional opinion of a home’s value.  The appraiser will look for at least a minimum of 3 recent sales of comparable properties that have sold in the past 12 months.

We can do a land loan if your credit score is higher than 730 through Equifax and loan amount is $100k or less.

We allow credit scores as low as 500 through Equifax credit reporting.

We require that the loan to value is 80% or less when it comes to these types of homes.

Home Equity Loans

Please contact the credit union for current rate information. Applicants must meet UCCU credit guidelines.

Mobile Homes

We offer loans for mobile homes, not on a permanent foundation. All rates expressed as Annual Percentage Rate (APR).
Applicants must meet UCCU credit guidelines. 

You are now leaving United Community Credit Union

United Community Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by United Community Credit Union, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL