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Home Loans

Home Loans

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First Mortgage

We partner with the Federal Home Loan Bank to offer our members conventional mortgages. Enjoy repayment terms up to 30 years with down payments as low as 5% with no mortgage insurance or hidden costs. This can save you thousands of dollars over what other lenders offer. We offer special home loan financing programs through our partnership with First Integrity Mortgage Services, such as FHA, VA, USDA and other non-conventional mortgages.

Click here for full details on rates and mortgage programs, or to start your secure online application now.

Home Equity Lines of Credit

Available for homes located in Illinois and Missouri, these loans allow members to access up to 90% of the equity in their homes. There are two options available:

  1. Fixed Rate Line of Credit provides a two-year period to make multiple advances and provides a repayment term of eight years after the advance period. Variable Rate Line of Credit allows up to five years to make multiple advances and provides a repayment term of ten years after the advance period.
  2. Home Equity Lines of Credit loans allow you to pay for home improvements, higher education expenses, a vacation or other large purchases. Your payments on these loans may even be tax deductible, so check with your tax advisor about potential benefits.

For rates, full information and eligibility details, contact a C&CCU Loan Officer at (618) 222-1508 or (618) 233-2212.