UICCU is the #1 home loan lender in Iowa.

For more information on UICCU's Home Loans, click here

Follow this link for more information on Home Equity Loans.


UICCU is the #1 home loan lender in Iowa. We offer low rates, no 1% origination fee, and up to 100% financing. Looking to fix up your home, take a vacation or finance your child’s education? Consider a fixed rate home equity loan or line of credit with low closing costs. Please find more information about home and home equity loans below. Then give us a call, stop by a branch, or click Apply Online.


First Mortgage Home Loans

UICCU is the market leader in home loans. Whether purchasing, refinancing, or constructing, our home loan department has experienced professionals ready to serve you.


Fixed-Rate Loans

UICCU offers fixed-rate mortgage loans through several vendors so we can lock in the lowest rate possible for you. We have programs for first time homebuyers and even offer ways to avoid Private Mortgage Insurance (PMI). Learn More.


Adjustable-Rate Loans 

UICCU offers in-house adjustable-rate products if you need 100% financing or don’t plan to stay in your home long-term. We even offer ways to avoid Private Mortgage Insurance (PMI). Read More.


USDA Rural Development Loans

This program provides loans for low to moderate income families in rural Iowa achieve their dream of home ownership. Up to 100% financing is available. Click here to learn more or visit www.rurdev.usda.gov/ia


Veterans Affair (VA) Loans 

We’re proud to offer VA Loans for American Veterans and eligible surviving spouses. Click here to learn more or visit www.benefits.va.gov/homeloans.


Jumbo Mortgage Loans

For borrowers needing a loan amount greater than $424,100, UICCU offers Jumbo Mortgage loans with a low fixed rate and no 1% origination fee.


Check Rates Mortgage Calculators Apply Online

Mortgage Education Center


Did you know? 
Unlike many financial institutions, UICCU does NOT charge a 1% origination fee on mortgage loans. That puts millions back into the pockets of our mortgage members each year.



Second Mortgage Home Equity Loans


UICCU is the #1 home equity lender in Eastern Iowa. A home equity loan allows you to use the equity you have tied up in your home for other purposes, such as paying for home improvements, buying a car, or financing an education. Our fixed rate line of credit allows you to establish a credit line and then advance funds as you need them. Our equity loan has a fixed term. This type of loan is ideal for members that have a particular project or purchase in mind, and therefore know the exact amount they need to borrow. Here is what you get with either the loan or credit line:

  • A great low rate and low payment
  • Flexibility on the loan purpose
  • Tax advantages (for most homeowners, consult your tax advisor)
  • Fixed terms of 5, 10, or 15 years
  • No prepayment penalties
  • PayBreak Debt Protection


Current Rates Apply Online


SPRING HOME EQUITY SPECIAL
The #1 home equity lender in Eastern Iowa is offering a spring home equity special. Enjoy an incredible 1.50% APR* welcome rate for 6 months. After that it's a short hop to fixed rates as low as 3.74% APR*. Use the funds to add curb appeal, buy a car, or whatever you wish. You'll enjoy a great rate, line-of-credit convenience, up to 100% financing, and the benefits of tax deductible interest (consult your tax advisor).



*APR is Annual Percentage Rate. 1.50% APR introductory rate is fixed for 6 months from the loan origination date. At that time, all balances will convert to the fixed rate of the loan program that you have chosen. Options include a fixed rate loan or fixed rate line of credit. Rates as of March 1 are as follows: Fixed Rate Home Equity Line of Credit as low as 3.74% for a 5-year credit line (example of monthly payment for $25,000 loan is $250 per month). If paying the minimum monthly payment only, a balloon payment may result at the end of the term. Home Equity Loan rates are as low as 3.74% for a 5-year term, 4.24% for a 10-year term, 4.74% for a 15-year term. Rate is based on credit history and loan-to-value (LTV). Rate assumes an LTV of 80% or less and a beacon of 700 or above. Proof of homeowners insurance is required. $260 closing costs, unless full appraisal is needed. Limited time offer. No internal refinances. Consult tax advisor on tax deductibility. Rate and loan approval are subject to credit qualifications and Loan-to-Value (LTV) ratio. 




PayBreak Debt Protection

Whether you're taking out a loan to make home improvements or buy a vehicle, it can be a financial gamble because things happen…life happens. Help play it safe with PayBreak Debt Protection*. PayBreak is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. Simple eligibility requirements help ease the enrollment process.


If a protected life event happens to you (and you're a protected borrower or co-borrower on the loan), PayBreak will cancel or reduce repayment of your loan debt. Help lessen your worries, and your family's worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

Call 800-397-3790 and ask about protecting your loans, today.

*Your purchase of PayBreak is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of PayBreak.