Fixed Rate Mortgages
| Program | Rate | APR* |
|---|---|---|
| 30 Year Fixed | 6.0% | 6.190% |
| 20 Year Fixed | 6.0% | 6.253% |
| 15 Year Fixed | 5.75% | 6.064% |
| 10 Year Fixed | 5.75% | 6.196% |
| 30 Year Fixed (Jumbo) | 6.75% | 6.952 |
Mortgage Refinancing
Apply NowYour LendersDocuments and DetailsContactView Rates
Refinancing Your Mortgage
We’ve been in the business long enough to know it’s possible for you. Work with us to lower your interest rate, monthly payment, or change your mortgage term. You’ll be WOW’d to see how much money you save with a lower interest rate and/or different mortgage term. And, check out how we can use your existing mortgage to give you some extra cash or consolidate debt.
Benefits of working with UICCU
- Local lenders
- Personalized service
- Low closing costs
- Built on trust
You even get benefits after closing…
- Online banking and app mortgage access
- Single sign-on
- Small, local team
Mortgage Rates
Adjustable Rate Mortgage
| Program | Rate | APR* |
|---|---|---|
| 7/6 SOFR ARM (30 year term) | 6.5% | 6.918% |
Government Mortgage Rates
| Program | Rate | APR* |
|---|---|---|
| 30 Year FHA | Contact your UICCU mortgage lender | |
| 30 Year USDA | Contact your UICCU mortgage lender | |
| 30 Year VA | Contact your UICCU mortgage lender |
Want to know how much house you can afford? Use our mortgage calculator to find your rate.
| *APR = Annual Percentage Rate. Rates are subject to change without notice. Rates last updated on 12/12/2025 at 12:05pm (EST). Mortgage rates are based upon a variety of assumptions and conditions. The credit score used in this estimate may be higher or lower than your personal credit score. A loan’s interest rate will depend upon specific characteristics of the loan and the credit history through the time of closing. |
Your Mortgage Lending Team
Phil and Kasie are here to make it simple and to make it happen!
Phil Dykstra
Director of Mortgage Business Development
NMLS 1466105
217-202-9236
Phil’s Bio
Documents and Details
Documents Needed
Don’t worry, we promise to make it easy. Set up an appointment or start your application online! Gather as many of these docs as you can and get started!
- The last 2 months of bank statements showing the source of down payment.
- W-2 form for the previous year
- Recent paycheck stub(s) (covering a 30 day pay period) reflecting year to date earnings
- Photo ID
- If self-employed, borrowers must provide complete tax returns with all appropriate schedules for the previous two years along with year-to-date profit and loss.
- See the full mortgage document checklist