Mortgage & Home Equity Loan Rates

A few of the loan programs we offer are listed here. UnitedOne Credit Union offers a wide variety of programs, including WHEDA, FHA and VA. To learn more about these programs and many others, call us at (920) 684-0361 or (920) 451-8222 or email our Mortgage Team in Manitowoc and Sheboygan.

Mortgage Loans*
Program Name	Rates As Low As	Points	APR As Low As	Payment
30 Year Fixed (360 months)	7.375%	0.00%	7.541%	$690.68
20 Year Fixed (240 months)	7.250%	0.00%	7.463%	$790.38
15 Year Fixed (180 months)	7.125%	0.00%	7.389%	$905.83
*Interest rates and APRs (Annual Percentage Rate) are effective as of 04/25/2024 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 purchase transaction with a loan amount of $100,000, 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.

Home Equity Loans*
Program Name	Rates As Low As	Points	APR As Low As	Payment
10 Year Fixed (120 Months)	5.875%	0.00%	6.215%	$275.98
*The interest rate and Annual Percentage Rate (APR) are effective as of 03/25/2024 and subject to change at any time and without notice. Your actual rate will be based on your credit score, loan-to-value (LTV), loan term, and other factors. Closing costs may vary and are paid by the borrower. Your costs can be obtained with the request of a Loan Estimate from UnitedOne Credit Union. Rates quoted are available only on owner-occupied homes located in Wisconsin. Private mortgage insurance may be required on 1st mortgage loans above 80% LTV. APR and payment example based upon a home equity loan transaction, a credit score above 740, and 80% LTV with the following terms: $25,000 home equity loan amortized over 10 years (120 months), with an interest rate of 6.750% and a monthly principal and interest payment of $287.06, This payment does not include amounts for taxes and insurance premiums. Offer is subject to credit approval and not all applicants will qualify. Not all applicants will qualify for the lowest rate. Other home equity loan options and programs are available. Home equity lines of credit (HELOCs) are not eligible. Membership eligibility is required. Equal Housing Lender.