First Mortgage Loans

If you're purchasing or refinancing a home, think of RCU first. We offer:

• RCU Mortgage Center - Applying for a mortgage loan has never been easier
• Competitive fixed and variable rates
• 30-year and 15-year fixed loans, as well as 18-month, 3-year, 5-year, 7-year and 10-year Reset loans. Find terms and conditions here.
• Reset loans allow you to enjoy:
  • Low monthly payments because your loan is amortized over 30 years
  • An initial fixed rate for the reset term (18 months, 3, 5, 7 or 10 years)
  • A periodic cap that means your rate can not adjust more than the stated periodic amount (and it could be lower if interest rates are lower at the time your loan "resets")
• Flexible terms
• No point and point options available.
• Low loan-to-value ratios (less than 60% and less than 45%) result in a lower rate
• Lower fees than most competitors

• Rates

Visit our mortgage center to get started today. If you have any questions, please call us at: (800) 479-7928 or visit an RCU branch.

Credit Life and Disability Insurance

For extra protection and peace of mind, we offer Credit Life & Disability Insurance for most loans at a nominal charge. Premiums are added to your monthly loan payment and are financed over the term of the loan. Ask us about this important coverage for your loan.