Short-Term Mortgages

Refinancing your existing mortgage to a shorter term can save you thousands of dollars in interest payments.

USU Credit Union offers first and second mortgages at competitive rates with varying terms ranging from five to 20 years.

Benefits of a Short-Term Mortgage

  • 5-, 7-, 10-, 12-, 15-, and 20-year term options
  • No closing costs for many loan options
  • Serviced through USU Credit Union – Make your payments to USU Credit Union
  • First and second mortgage options
  • No private mortgage insurance

Save thousands of dollars with shorter terms, low rates and low or no fees. Speak with a mortgage specialist today, 800-248-6361.

Short-Term Mortgage Rates*

as low as

Speak with a USU Credit Union Mortgage Specialist

Call us:


Text us***:


Visit with us in person:

Find a local USU Credit Union branch

Our mortgage professionals are available to answer your questions via call, online chat, text, or email from 9 am to 5 pm Monday – Friday and from 9 am to 2 pm on Saturday. In-person consultation hours vary by branch.

***By sending a text message, you consent to receive a text message response from USU Credit Union. Your provider's message and data rates may apply.

Have a USU Credit Union Mortgage Specialist contact you:

Thank you! We have received your information. Someone will contact you soon.

Rates current as of 06-01-2017 and subject to change without notice. The following payment examples are based on a loan amount of $100,000 and interest payments. A 5-year mortgage with a fixed Annual Percentage Rate (APR) of 3.49% and LTV up to 80% will have a payment of $1,818.73. A 7-year mortgage with a fixed APR of 3.49% and LTV up to 70% will have a payment of $1,343.43. A 10-year mortgage with a fixed APR of 3.74% and an LTV up to 50% will have a payment of $1,000.10. Member pays all fees plus 0.50% origination fee. Other conditions and restrictions may apply.