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Welcome to Utilities Employees Credit Union

Congratulations! You're taking the first steps towards your dreams. You've chosen a trusted lender that understands your needs and is committed to your financial success. We offer many mortgage options that will best suit your needs.

  • Gain more financial freedom by refinancing your existing mortgage for a lower rate
  • Invest in your future by purchasing a new home



    • Where to Start

    Information For First-Timers

    First-Time Home Buying

    Congratulations! We're pleased to be helping you with your first home. The more you know about the home buying process, the more confident you will be in making the important decisions that will shape your home ownership experience.

    The Mortgage Process

    Buying a home has never been easier. We've streamlined and updated the mortgage process to bring you a faster, more advanced way to finance your home.

    Before you begin, Check Rates

    Check RatesCalculatorsApply

    Purchasing A Home

    Purchasing a Home

    Buying a new home is exciting and the process of financing it is now faster and easier than ever before.

    The Mortgage Process

    Buying a home has never been easier. We've streamlined and updated the mortgage process to bring you a faster, more advanced way to finance your home.

    Before you begin, Check Rates

    Check RatesCalculatorsApply

    Start Saving By Refinancing

    Refinancing a Home

    If the current value of your home has increased, it may make sense to refinance at a better rate or refinance to consolidate debt or plan a home improvement project.

    The Mortgage Process

    Buying a home has never been easier. We've streamlined and updated the mortgage process to bring you a faster, more advanced way to finance your home.

    Before you begin, Check Rates

    Check RatesCalculatorsApply


    Explore your loan options...

    Just looking? Our Loan Consultant will provide you the best terms available. Answer a few short questions and in moments you'll discover the rates and fees specific to your request.

    Ready to Apply? Let's Get Started with the product that best meets your needs and then we will guide you through your application!

     

    The rates on this page are our best rates.  Adjustments to your rate may occur based upon credit score, loan to value, debt ratio and purpose of loan. Call 800-288-6423 for information specific to your circumstances.
    Today's Rates
    Today's loan rates
    RatePointsAPRPayment
    30 Year Fixed
    Interest Rate5.875%Discount Points0APR5.995%Payment Amount$739
    15 Year Fixed
    Interest Rate5.500%Discount Points0APR5.698%Payment Amount$1,021
    20 Year Fixed
    Interest Rate6.125%Discount Points0APR6.286%Payment Amount$905
    10 Year Fixed
    Interest Rate6.125%Discount Points0APR6.409%Payment Amount$1,396
    Check Rates
    Assumptions Display the Rate Page


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