Credit union mortgage options made for real life.
Whether you're buying your first home, building from the ground up, or refinancing, we have credit union home loan rates and mortgage options built for you.
Not a member? Join today to unlock all the financial advantages of banking with Advia.
Ready to take the next step toward homeownership?
Together with our partner Mortgage Center, our team is here to help you find the right credit union home loan for your needs. Whether you're a first time home buyer or looking for your next move.
Conventional Mortgage Options
Whether you're a first time home buyer or purchasing your dream home, take advantage of credit union mortgage rates and mortgage options that are designed for you.
Save up to
$800
on your Mortgage.2
- First-time home buyers enjoy 0.25% off their rate (offers can’t be combined)1
- Competitive credit union mortgage rates
- Flexible down payment options
Refinance Your Current Mortgage
Looking to lower your payments, shorten your loan, or tap into your home equity? Use great credit union refinance mortgage options to help reach all your goals.
Save up to
$800
on your Mortgage.2
- Lower your interest rate
- Shorten the term of your loan
- Use your home equity to access funds
One-Time Home Construction Loan
Roll your mortgage and construction costs into a single close construction loan. That means one application, one closing, one monthly payment.
Save up to
$800
on your Mortgage.2
- Interest-only payments during construction
- One application and one time close process
- After construction, your loan automatically converts to a conventional mortgage
Still have questions about credit union home loans?
Our team is here to guide you. Whether you're looking for the best mortgage rates at a credit union or need help choosing the right option, reach out today.
- Offer for 0.25% rate discount is available on purchase mortgage transactions for first-time homebuyers. Application must be taken between March 2nd, 2026 through August 31st, 2026. Mortgage amount must be between $40,000 and $832,750 to be eligible. Mortgage rates current as of 2/26/2026 and assumes a 30-year fixed-rate purchase of a detached, owner-occupied property with a loan to value ratio of 75% and a credit score of 780. A loan amount of $225,000 at an interest rate of 5.875% and an APR of 5.998% has a payment of $1,330.96 with 0.125 points due at closing. Payment does not include property taxes/insurances; actual payment will be higher. Offer applies to mortgages financed with Mortgage Center as a first-time homebuyer, which is defined as a buyer who has not owned a home within the past 3 years. Applicants must be or become an Advia Credit Union member and establish recurring direct deposits of paycheck, pension, or government benefits (such as Social Security) prior to mortgage closing. Person-to-Person payments (such as Zelle®) are not considered a direct deposit for purposes of this offer. Direct deposit must be at least $400 per deposit. Offer may not be combined with any other promotion or discount. The offer has no cash value. This offer is non-transferrable. Terms are subject to credit and mortgage approval. Offer may be modified or discontinued at any time without notice.
- $500 Closing Cost promotion is on purchase and refinance loan transactions and saves you $500 on your closed home loan’s closing costs. Borrowers will also receive a $300 deposit to their Advia account when they establish recurring direct deposits of paycheck, pension, or government benefits (such as Social Security) within 90 days of mortgage closing. Person-to-Person payments (such as Zelle®) are not considered a direct deposit for purposes of this offer. Direct deposit must be at least $400 per deposit. Borrowers are responsible for any third-party costs including but not limited to: title, tax certificate, and appraisal. Application must be taken between March 2nd, 2026 through August 31st, 2026. Mortgage amount must be between $40,000 and $832,750 to be eligible. Mortgage rates current as of 2/26/2026 and assumes a 30-year fixed-rate purchase of a detached, owner-occupied property with a loan to value ratio of 75% and a credit score of 780. A loan amount of $225,000 at an interest rate of 5.875% and an APR of 5.998% has a payment of $1,330.96 with 0.125 points due at closing. Payment does not include property taxes/insurances; actual payment will be higher. Offer applies to Residential Conventional First Mortgages financed with Mortgage Center and excludes government-backed loans, home equity loans, and Jumbo, PMI Saver, Right Choice, Non-Warrantable Condo and Community Champion loans. Offer may not be combined with any other promotion or discount. The promotion has no cash value. This offer is non-transferrable. Other restrictions may apply. Terms are subject to credit and mortgage approval. Offer may be modified or discontinued at any time without notice.
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