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Home Mortgage Loans

Be your own landlord. Turn your rent payments into equity and pave your way toward financial freedom.

  • Competitively low rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • A wide range of terms customized to your unique situation

We have partnered with Tradition Mortgage, based in the Twin Cities, to offer options in mortgage financing.

Tradition offers competitive rates and different plans for affordable payments. Talk to a Tradition Mortgage loan officer about how you can get started. Finding your family's dream home — at an affordable rate — is easier than you might think.

 

To check rates or start an application, contact Tradition Mortgage directly at 952-252-4654, or apply online.

 
  • Refinance your current home to potentially lower your rate
  • Lenders familiar with the Minnesota area housing market
  • Local processing for better efficiency
  • Personal service from start to closing
  • Endorsed by your credit union and Education Minnesota ESI

Financing programs available

  • Fixed rate mortgages
  • Adjustable rate mortgages (ARMs)
  • USDA Rural Housing Loans
  • FHA Loans
  • VA Loans
  • First Time Homebuyer
  • Construction Loans
 

Tradition Mortgage, LLC. has a business relationship with United Educators Credit Union. Because of this relationship, doing business with Tradition Mortgage, LLC may provide United Educators Credit Union a financial or other benefit. You are not required to use Tradition Mortgage, LLC. as a condition of the settlement of your loan on the property or as a condition of your purchase or sale of the Property. There are frequently other settlement service providers available with similar services. You are free to shop around to determine that you are receiving the best services and the best rate for these services. All loan applications are subject to credit approval. Criteria for this may include 720 Minimum FICO Credit Score, Maximum Loan-To-Value 80%, and Maximum Debt-To-Income Ratio of 45%. Tradition Mortgage NMLS# is: 286998

Home Equity Loans

Tap into the equity in your home toward financing for home improvements, and add even more value to your investment. 

  • Competitive rates for every need:
    - Major life events
    - Home remodel projects
    - Debt consolidation
    - And much more!
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  • Low, fixed rate and no annual fees
  • Flexible repayment terms 
  • Local processing in Minnesota for better efficiency
  • Personal service from start to finish

NMLS: 719252

Just like a home equity loan, a HELOC uses the equity you've built within your home as collateral to secure affordable financing. But as a revolving line of credit, you can repeatedly tap into your HELOC without having to reapply — perfect for ongoing personal projects or as an emergency cash reserve.

For several ongoing or seasonal needs:

  • Major life events
  • Major home improvements
  • Debt consolidation
  • Emergency reserve
  • And much more!
  • The existing equity in your home is used as collateral backing
  • Competitive rates
  • Accommodating repayment terms that work uniquely for you
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter
  • Revolving credit – as principal is repaid, more becomes available for use
  • Funds easily available via check or requested transfers to a specified UECU checking account
  • Set up automatic payments to be deducted from your account monthly
  • Local processing in Minnesota for better efficiency
  • Personal service from start to finish

 

Auto Loans

LIMITED TIME OFFER!
Get 1% Cash Back on Auto Loans*
Ride off into the sunset with an affordable loan that leaves plenty of gas money in your wallet. Whether it's a new or used car, truck or SUV, we can help you get into your dream vehicle.

LEARN MORE

 

 

Recreational Vehicle Loans

Catch a wave in your new boat with a loan from UECU! Get the new toy you've been waiting for with a payment that fits your budget. We offer loans for Motorcycles, Snowmobiles, RVs and more!

Rates are as low as 3.99% APR*

  • New or used
  • Flexible terms and payment options
  • Get pre-approved before you visit the shows or dealership
  • 100% financing available
  • Local processing in Minnesota for better efficiency
  • Personal service from start to finish
*APR means annual percentage rate. All loans are subject to approval. The rate you receive may be different than the rate above and is based on the applicant's credit and repayment history, length of repayment period and down payment. Please ask us for the rate for which you qualify. Rates and terms are subject to change without notice.
 

 

Personal Loans

Personal loans can cover a number of needs, from medical expenses to home improvements to travel plans. Applying is easy, and our experienced lenders are here to walk you through each step. Contact us today about getting started.

  • Competitive rates for a wide variety of needs:
    - Vehicle repairs or updates
    - Family vacation
    - Credit card consolidation
    - Personal projects or startups
    - And much more!
  • Repayment terms customized to fit your unique needs
 

Find more information on private student loans by checking out our College Resource Center.

Private Student Loans

A private student loan can help you bridge the financing gap when other types of financial aid such as grants, scholarships and federal loans are not enough to cover the cost of your college education.

  • Supplement federal funding and scholarships
  • Focus on your studies now
  • No origination fee
  • 30-Day No-Fee Return Policy allows you to cancel the loan within 30 days of disbursement without fees or interest
  • Cosigner Release Available for creditworthy borrowers after 24 consecutive on-time principal and interest payments
  • Borrowers must pay $25 toward interest while in school
  • Establish responsible repayment habits
  • Pay down interest accrual
  • No prepayment penalty to pay down debt faster