Apply NowYour LendersDocuments and DetailsContactView Rates
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.
| Program | Rate | APR* |
|---|---|---|
| 30 Year Fixed | As low as 5.75% | As low as 6.008% |
| 20 Year Fixed | As low as 5.75% | As low as 6.096% |
| 15 Year Fixed | As low as 5.625% | As low as 6.058% |
| 10 Year Fixed | As low as 5.625% | As low as 6.240% |
| 30 Year Fixed (Jumbo) | As low as 6.375% | As low as 6.422% |
| Program | Rate | APR* |
|---|---|---|
| 7/6 SOFR ARM (30 year term) | As low as 5.875% | As low as 6.593% |
| 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 2/13/2026 at 2:00pm (CST). 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. |
Phil and Kasie are here to make it simple and to make it happen!
NMLS 1466105
217-202-9236
Phil’s Bio
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!
