Get the money you need to purchase a home, or take advantage of our low, short-term mortgage rates and refinance for $350 or less.

We have mortgages for every home-financing need.

  • 5-, 7-, 10-, 15-, 20- and 30-year fixed-rate mortgages
  • Adjustable-rate mortgages
  • Jumbo loans
  • FHA/VA loans
  • New construction loans
  • Investment property loans
  • Vacation home/second home loans
  • No PMI required options

Click here for current rates on short-term mortgages. For mortgage rates for purchases, please call Neena Vlamis at (312) 961-4380.

If your first mortgage has a low balance, refinance with our short-term mortgage rates and save. Compared to longer-term first mortgage products, our short-term mortgages offer more favorable rates with minimal fees. In fact, qualified members can refinance for $350 or less.

By refinancing your mortgage at one of our 5-, 7- or 10-year terms, you could reduce the interest you pay and possibly lower your monthly payments. When you refinance, you can get additional money for home improvements, college tuition or debt consolidation. By consolidating your bills into your low-rate mortgage, you’ll pay just one low monthly payment and could reduce your interest costs. Most credit cards and other types of loans have rates significantly higher than our mortgages. Combined with your potential tax savings you could save a lot of money.

The interest paid on mortgages, up to $1,000,0000, is tax deductible as are the costs for many loan-processing fees. Home improvements that increase the value of your home also receive special tax treatment when you sell your home. For answers to questions regarding mortgage tax benefits, you should consult your tax advisor.

With our low, 5-, 7- and 10-year fixed rates, you can borrow up to 80% of your home’s current market value, up to a maximum of $500,000. For loans not exceeding $250,000, closing costs will be a maximum of $350 plus the actual cost of an appraisal if it is determined an appraisal is needed. For loans exceeding $250,000, closing costs will be the actual costs. Should it be determined that an appraisal is necessary, you will be charged the appraisal fee at the credit union’s cost.

In most cases, we can approve short-term mortgages for qualified members by the next business day, and close on a schedule that meets your needs.

Click here for our refinancing calculator.

There are many financial advantages to owning a home. Some of the factors that may help you decide whether buying is right for you include:

Increasing your net worth.

Purchasing a home is a long-term investment that will increase your net worth. One of the benefits of purchasing a home is the high cash return a real estate investment can provide. One reason for this high return is that real estate is commonly financed and is thus a leveraged investment.

With a leveraged investment, you’re using someone else’s money to work for you. For example, if you purchase a home for $150,000 with a $30,000 down payment and property values increase 10%, your home value will increase $15,000. This $15,000 gain is made with a cash investment of only $30,000. Furthermore, money invested in house payments and money earned from appreciation combine to create equity. Equity is the difference between what you owe on your home and your home’s current market value. As you build equity, you increase your net worth. The equity in your home can be a powerful tool in helping you achieve your financial objectives.

Reducing your tax bill.

Home ownership can also provide tax advantages. The interest paid on mortgages, up to $1,000,0000, is tax deductible as are the costs for many loan-processing fees. Home improvements that increase the value of your home also receive special tax treatment when you sell your home. Furthermore, real estate taxes are fully deductible on your federal income tax return and may be partially deductible on your state return. For answers to questions regarding the tax benefits of purchasing a home, you should consult your tax advisor.

Other benefits.

Home ownership provides freedom, security and stability. Furthermore, once you outgrow a home and purchase another, you can always retain the original property as a rental. Although rental properties will cost you in terms of upkeep and insurance expenses, they can provide tax benefits and a source of income. Finally, a good record of timely mortgage payments will reflect positively on your credit history, which can contribute to your ability to obtain credit for future purchases.


You work hard to give your family a home and the treasured memories that go with it.  Help protect them with the TruStage™ Home Insurance Program.

What's covered?

Home insurance could help cover damage or loss due to fire, weather, theft and more.  And it helps protect you from liability if an accident happens on your property.

What are the advantages?

TruStage gives credit union members access to coverage underwritten by Liberty Mutual Insurance® along with these popular benefits*:

  • Potential savings for credit union members
  • Discounts for multiple policies
  • 24/7 claims, even on holidays
  • Inflation protection
  • Temporary housing assistance when you need it

For more information or to get a quote, please click here.


TruStage is underwritten by CMFG Life Insurance Company, which is rated "A" (Excellent) as of December 2022 by A.M. Best, an independent rating service which evaluates financial stability and operating performance, year after year.  An "A" rating is the third highest of 16 ratings.

*Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.  Auto and Home Insurance Products are issued by Liberty Mutual Insurance Company, 175 Berkeley Street, Boston, MA. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Liberty Mutual Copyright 2023. Discounts are not available in all states and discounts vary by state.  A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow.  Please consult your policy for specific coverage and limitations. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. © TruStage