Live your homeownership dream
with a Fixed-Rate Mortgage from Unison Credit Union.
Enjoy the peace of mind that comes with a stable interest rate, so your payments stay consistent and predictable. Whether you choose a longer term to lower monthly payments or a shorter term to save on interest, we offer flexible options to suit your needs.
At Unison Credit Union, we’re dedicated to supporting you through every step of the mortgage process. We understand that your mortgage will be one of your biggest expenses, which is why we focus on helping you choose the right loan for your budget, goals, and financial situation. Our local mortgage team is here to guide you from pre-approval to closing, ensuring a smooth, stress-free home buying experience.
Key benefits
- Lock in a Competitive Rate: Your monthly principal and interest payments never change.
- Flexible Repayment Terms: Options are available for up to 30 years.
- No Private Mortgage Insurance (PMI) on Select Options
- Accelerated Payments: Bi-weekly payment options help you pay off your mortgage sooner.
- No Pre-Payment Penalty: Enjoy the flexibility to pay extra without extra fees.
- Personalized Guidance: Work with a dedicated Member Advisor who supports you throughout the process.
Find the Right Fixed Mortgage for You
Unison Fixed Mortgage |
Home Advantage Fixed Mortgage |
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Discover a dependable home financing option with our Unison Fixed Mortgage, available in 10-, 15-, and 30-year terms. Enjoy a fixed rate, consistent payments, no PMI on select options, and flexible repayment, including bi-weekly installments—built for long-term stability.
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If stable, predictable payments matter most, our Home Advantage Fixed Mortgage is ideal. Available in 15- and 30-year terms, it offers fixed payments, protection from market changes, and the flexibility to pay extra anytime. |
Qualifications
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Features
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Empower Your Mortgage Decisions
Take control of your home financing with our suite of interactive mortgage calculators. Whether you’re exploring bi-weekly payment savings, determining monthly payments and amortization schedules, evaluating tax benefits, or comparing adjustable, reverse, and refinance options, our tools provide instant, detailed insights tailored to your needs.
Fixed and Adjustable Rate Mortgages
| New Home and Advantage Home Loans1 |
Rates
as Low
as*
|
APR as Low as*
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Monthly
Payment
|
|---|---|---|---|
| 10 Year Fixed Rate Mortgage Loan | 5.75% | 5.836% | $1,866 |
| 15 Year Fixed Rate Mortgage Loan | 5.875% | 5.936% | $1,423 |
| 30 Year Fixed Rate Mortgage Loan | 6.50% | 6.538% | $1,075 |
| 3 Year ARM (Adjustable Rate Mortgage) Loan2 | 5.50% | 6.364% | $965 |
| 5 Year ARM (Adjustable Rate Mortgage) Loan2 |
5.75% | 6.308% | $992 |
|
7 Year ARM (Adjustable Rate Mortgage)
Loan2
|
6.00% | 6.334% | $1,019 |
*As low as rate ranges may change daily and represent only the best possible rates offered for various loan products to borrowers with a credit score of 720 or higher. Individual rates will vary based on your “Tri-merge” (mortgage) credit score(s), the specific loan purpose and product selected, loan amount, and downpayment. Call or see a Mortgage Loan Officer for more details. Published rates do not constitute a loan offer; all loans are subject to approval and the meeting of eligibility requirements. Unison Credit Union, NMLS ID 458614, is an Equal Housing Opportunity lender.
1 Additional conditions may apply; Home Advantage loans are sponsored by the Federal Home Loan Bank. In house loans also available at other rates. Monthly payment examples are based on a single family, owner occupied, 720+ credit score, and loan amount of $170,000. Monthly payment examples listed do not include taxes or insurance; the actual payment will vary based on your specific situation.
2 Adjustable-Rate Mortgages (ARMs) are variable rate loans with terms of 3/1, 5/1, or 7/1. After the initial 3, 5, or 7 year fixed period ends, that rate can change yearly. For example, the interest rate on a 3/1 ARM is fixed at the advertised rate for only 3 years, after which the rate can change yearly for the remainder of the loan. The changes are subject to the following caps: annual rate cap of +/- 2%, and a lifetime rate adjustment cap +/- 6%. The new interest rate will be determined by adding the rate of the 1-Year Treasury Bill (index) to a margin. The margin = 2.75% for non-Home Equity and Construction ARMs and is 3.50% for Home Equity ARMs. Monthly payment examples are based on a single family, owner occupied, 720+ credit score, and loan amount of $170,000. Monthly payment examples listed do not include taxes or insurance; the actual payment will vary based on your specific situation.
Empowering Every Chapter of Life!
Where Convenience Meets Confidence.
Smart Savings for Bright Futures
Give your child a head start on their financial journey with our Empowering Kids and Empowering Teens accounts. Enjoy competitive rates, exciting deposit incentives, and debit card options designed just for teens. Start building smart money habits today with Unison!
With competitive rates, affordable monthly payments, and expert guidance, we’re committed to finding the perfect loan to fit your lifestyle. Let Unison Credit Union help you drive off in the vehicle of your dreams—because your journey starts here!
