Mortgage & Home Equity Loan Rates
UnitedOne Credit Union offers a wide variety of programs, including Adjustable Rate Mortgages (ARMs), WHEDA, FHA, USDA, and VA. To learn more about these programs and many others, call us at (920) 684-0361 or email us at homeloans@UnitedOne.org.
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| Mortgage Loans* | ||||
| Program Name | Rates As Low As | Points | APR As Low As | Payment |
| 30 Year Fixed (360 months) | 7.375% | 0.00% | 7.456% | $1,381.35 |
| 20 Year Fixed (240 months) | 7.125% | 0.00% | 7.229% | $1,565.64 |
| 15 Year Fixed (180 months) | 6.625% | 0.00% | 6.753% | $1,755.99 |
| 10 Year Fixed (120 months) | 6.250% | 0.00% | 6.428% | $2,245.60 |
| *Interest rates and APRs (Annual Percentage Rate) are effective as of 10/09/2026 and subject to change at any time and without notice. Your actual rate is based on your credit score, loan-to-value (LTV), loan amount, and other factors. Closing costs may vary and can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. Rates quoted are available only on 1st mortgage, owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on loans in excess of 80% LTV (loan-to-value). Interest Rate, APR, and payment examples are based upon a refinance transaction with a loan amount of $200,000, credit score above 750, and 60% LTV. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation may be greater. Other mortgage programs and rates are available. All offers are subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Membership Eligibility Required. Equal Housing Lender. | ||||
Ask us about our great HELOC rates and options, contact one of our Local Home Loan Experts to unlock your home’s potential with a HELOC today!
| Home Equity Loans+ | ||||
| Program Name | Rates As Low As | Points | APR As Low As | Payment |
| 10 Year Fixed (120 Months) | 5.750% | 0.00% | 6.089% | $274.42 |
*The interest rate and Annual Percentage Rate (APR) are effective as of 10/09/2026 and are subject to change without notice. Actual rates may vary based on creditworthiness, loan-to-value (LTV), loan term, and other underwriting factors. Rates quoted include Relationship Rewards pricing for qualifying members. Relationship Rewards eligibility is based on certain account relationship requirements. Contact UnitedOne Credit Union for complete program details and qualification requirements. Closing costs vary and are paid by the borrower. A Loan Estimate detailing estimated closing costs is available upon request. Rates quoted are available only for owner-occupied properties located in Wisconsin. Private mortgage insurance (PMI) may be required for first mortgage loans with an LTV exceeding 80%. APR and payment example are based on a $25,000 home equity loan with a credit score above 740 and an 80% LTV, amortized over 120 months. Payment examples do not include taxes, insurance, or other applicable costs, so actual payment obligations may be higher. All loans are subject to credit approval. Not all applicants will qualify, and not all applicants will qualify for the lowest advertised rate. Additional home equity loan products and programs are available. Home Equity Lines of Credit (HELOCs) are not eligible for this offer. Membership eligibility is required. Equal Housing Lender. | ||||
Thanks for being part of UnitedOne.
Call or text us at (920) 684-0361, or email us at homeloans@UnitedOne.org. Proudly serving Manitowoc, Sheboygan, and surrounding communities.
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