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Mortgages & Home Equity
Home Equity Lines of Credit and Home Equity Loans
Do you need to consolidate some debt? Use the equity that’s been building in your home to help combine multiple payments into one, or maybe you’ve decided not to move but need financing to build that addition or makeover the kitchen.
Whatever the reason, U.P. State Credit Union’s home equity line of credit or fixed rate home equity loan could be the perfect financing tool you need. Keep in mind the interest you pay is typically tax deductible. (Just be sure to contact your tax advisor about this potential money saver.)
The line of credit taps into your home’s equity and offers low variable APRs, adjusting semi-annually. You may borrow up to 80% of the appraised value of the home, minus the balance or the first mortgage and any other outstanding liens. The rate is set according to the Wall Street Prime rate.
View our current Home Equity Line of Credit rates.
The Fixed Home Equity loan has limits up to 80% of the appraised value minus the first mortgage balance and any other outstanding liens. The interest on the Home Equity loan is a fixed rate.
View our current Home Equity Closed End Loan rates.
Mortgages
At U.P. State Credit Union, we understand the thrill and importance of finding, buying and owning a home. It's the classic American dream….. a place where families are raised and great memories are made.
We also understand how financing your new home can be a rather stressful task. Proper paperwork, research and tight deadlines all play an important role toward making home ownership possible. And if you’re working with a lender you’re not familiar with, the mountain of paperwork and industry jargon makes things even more tense.
Our mortgage experts have proven many times over that there is a difference at U.P. State Credit Union. That’s because we’ll be there with you, step-by-step, throughout your financing. Whether you’re a first time home buyer, refinancing your current home, or a savvy investor, our professionals are well equipped to answer each and every question you might have.
Our rates are always very competitive, yet our attention to your details will help make the process go as smoothly as possible.
| Mortgages & Home Equity Rates | ||
| Effective Date: Tuesday, February 7th, 2012 | ||
| Name | Term | APR* |
| Mortgage: 5 Year Balloon | 60 Months | As Low As 6.95% |
| Fixed Rate Mortgage | 15, 20, 30 Year | Call For Rates |
| Home Equity Line of Credit | 240 Months | As Low As 3.00% |
| Fixed Rate Home Equity Loan | 96 months | As Low As 6.95% |
| Mobile Home Loan: 5 Year Balloon | 120 months | 7.95% |
| Mobile Home Loan (Fixed Rate) | 120 months | 9.50% |
| *APR = Annual Percentage Rate. Current loan rates are based on certain factors such as credit worthiness, account relationships, loan types and loan to value ratios. Please contact our loan department for more details. | ||
MEMBERS® Auto and Homeowners Program
You trust U.P. State Credit Union to provide you and your family with quality products and services to meet your financial needs. We've joined with a dedicated team of insurance professionals to bring you the MEMBERS® Auto and Homeowners Insurance Program.
- MEMBERS® Auto and Homeowners is the property and casualty coverage solution preferred by the most credit unions and their members.
- Convenient e-service, pay your bill or make changes to your policy, even report a claim.
- Receive fast, easy access to claims service 24-hours a day.
- Obtain a free no obligation quote or locate an agent at the local Liberty Mutual sales office.
MEMBERS® Auto and Homeowners Program
The MEMBERS® Auto & Home Insurance Program is underwritten by leading insurance companies, including Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.
