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Martin Luther King, Jr. Day
Monday, January 16

Presidents Day
Monday, February 20

12 is the new 30!

12-year fixed-rate mortgages

As low as
3.125% / 3.390% APR*

Today’s mortgage rates are so low you can own your home free and clear in just 12 years instead of the traditional 30! With your good credit, our 12-year lets you:

  • Own your home years sooner
  • Slash money wasted on interest
  • Build equity faster
  • Enter retirement debt-free

Shorter term = HUGE savings!

With a $250,000 mortgage a note rate of 4.5%, you’ll pay $456,019 over 30 years. But with our 12-year mortgage at 3.125% / 3.390APR*, you’ll pay $300,120 — a savings of $155,899!

Savings comparison for illustration only and savings will vary.
To find out how much you could save, just enter your numbers in our online calculator!

Apply online
Click here to apply or see our other rates. Or call 877. 670.5860, option 5, to speak to our real estate department.

*Annual Percentage Rates quotes are for owner-occupied, single-family residences, 80% loan-to-value with excellent credit. Term refinance or purchase is up to $625,500. California properties only. Rates quoted in effect 12/16/11 and are not guaranteed until locked and are subject to change without notice. All loans are subject to credit approval. Sample payments based on a $250,000 loan amount for a 12-year fixed at 3.390% APR: 143 payments of $2,084.16 and 1 final payment of $2,084.58. Actual payments will be greater with taxes and insurance. Please visit our website for more loan options. A credit report and appraisal fee will be collected at time of intent to move forward. Must qualify for USCCU membership; please call or visit to confirm eligibility.

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