Fast Closing
Close on your new home in 30 days or less. Move in sooner and start living your next chapter with no unnecessary delays.
Mortgage Loans
You asked, we listened. It’s back! For a limited time, get a mortgage rate as low as 5.5%. See disclosure 1.
Your Home. Your Mortgage. Your Team.
There’s an option for everyone.
We’re here to make it simple and make it happen! Choose the loan that works for you and let’s get started.
But why choose UICCU?
Where do we start?
Flexible Down Payments
Homeownership shouldn’t be out of reach. We offer programs designed to fit your life, including options with as little as 0% down.
Quick Preapproval
Get prequalified fast and shop with confidence knowing exactly where you stand. No guessing, no waiting.
Options That Fit
Whether this is your first home or your forever home, we’ve got purchase and refinance programs available in 48 states.
Personalized Service
We work the same you you do: text, email, or call. You’ll always talk to real people who know your story.
No Prepayment Penalties
Want to pay off your mortgage early? Go for it. We’ll never charge you for doing what’s right for you.
Local Lending
Our mortgages are not transferred to other service providers. Work with the same trusted team from start to finish.
Built on Trust
Our #DoMoreGood philosophy puts people first. You’ll get the care and transparency that the big banks can’t match.
Mortgage Rates
Fixed Rate Mortgages
| Program | Rate | APR* |
|---|---|---|
| 30 Year Fixed | As low as 6.0% | As low as 6.268% |
| 20 Year Fixed | As low as 6.0% | As low as 6.356% |
| 15 Year Fixed | As low as 5.75% | As low as 6.193% |
| 10 Year Fixed | As low as 5.75% | As low as 6.378% |
| 30 Year Fixed (Jumbo) | As low as 6.75% | As low as 7.018% |
Adjustable Rate Mortgage
| Program | Rate | APR* |
|---|---|---|
| 7/6 SOFR ARM (30 year term) | As low as 6.75% | As low as 7.051% |
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 4/27/2026 at 10:00 AM (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. |
Your Lending Team
Phil Dykstra
Director of Mortgage Business Development
NMLS 1466105
Phil’s Bio
Meet our team! From left to right: Eliza Fair, Mortgage Loan Processor NMLS 2272437, Danny Hedin, Home Equity Loan Specialist NMLS 1965895, Tammy Feezor, Mortgage Loan Processor NMLS 1652647, Phil Dykstra, Director of Mortgage Business Development NMLS 1466105, Susan Toalson McGinty, SVP / Mortgage NMLS 2667468, Chastity Rein, Director of Mortgage Operations NMLS 780837, Keifer McComas, Associate Director of Mortgage NMLS 1018830, and Kasie Woodworth, Mortgage Loan Officer NMLS 2413017.
Ok, it's time to get started.
And it’s 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
15.50% Interest Rate offer is available for non-variable rate conventional first mortgage purchase transactions with a term of up to 30 years. The purchase property must be located within the state of Illinois and the property must be under contract within 90 days of the initial prequalification in order to qualify for the 5.50% interest rate.. Standard refinances, Jumbo mortgages, cash-out transactions, construction loans, investment properties, second homes, multi-family properties, condos or any properties other than those owner-occupied as the borrower’s primary residence are excluded from the 5.50% offer. The borrower must have a minimum credit score of 700, a maximum debt to income ratio of 40%, have at least 2 established credit bureau tradelines (excluding student loans) with at least 12 months history per tradeline. Borrowers with a previous record of bankruptcy, foreclosure, or short sale on any property are ineligible for this offer. Maximum loan to value is 95% and Private Mortgage Insurance (PMI) is required for loans over 80% loan to value. Closing costs apply and will vary based on individual circumstances. Not all applicants will qualify for the 5.50% offer. All loans subject to individual credit and property approval. All applicants must qualify for and open a membership account at UICCU before loan funding. All Interest Rate offers are for a limited time and may be withdrawn without notice. Other restrictions may apply. Contact a UICCU Mortgage Representative for additional details. Equal Housing Lender NMLS# 421376