Home Loans

Getting a home loan with CUA is convenient and easy. We have local underwriters with local servicing/payments and offer flexible programs to meet your needs.

New Product! Zero Down Payment Loan

• 100% financing on Purchase or Rate term Refinance (No Cash-Out refinances allowed)
• No down payment required and no Private Mortgage Insurance
• 15 year fixed; 20 year fixed and 30 year fixed rate products available
• Minimum loan amount of $80K and maximum loan $484,350
• Property types allowed: Single Family residences and owner occupied only (No second homes or rentals)
• Product availability, terms, and conditions subject to change without notice
• Mandatory escrows for taxes and insurance****

Federal Housing Administration (FHA) Loan

A government-backed mortgage insured by the Federal Housing Administration. Borrowers pay for private mortgage insurance, but are eligible for a home loan with as little as 3.5% down.

Veterans Affairs (VA) Loan

Home loans for eligible veterans who meet at least one of the following conditions:

• Served 90 consecutive days of active service during wartime
• Served 181 days of active service during peacetime
• Served more than 6 years of service in the National Guard or Reserves
• Are the spouse of a service member who has died in the line of duty or because of a service-related disability

Rural Development (RD) Loan

Low interest rate, no down payment option if you are buying in an area that is part of a Rural Development program. Monthly mortgage payment (including principal, interest, insurance and taxes) cannot exceed 29% of your income.

FHLB Homeownership Set-Aside Program Grant

2019 funds have been exhausted
Are you a first-time homebuyer interested in receiving up to $5,000 for your new home? Credit Union of America is proud to offer the Homeownership Set-Aside Program through the Affordable Housing Program. Homebuyers must meet the following criteria:

• First-time homebuyer, may not own or be an investor in another residence
• Household income at or below $53,040 for 1-2 persons, or $60,996 for households with 3 or more
• Must provide $500 down payment or other costs paid outside of closing costs of at least $500
• Home may be in rural or urban locations in Kansas
• Must complete homebuyer education approved by designated state organization
• Non-occupying co-borrower and/or co-owners are not permitted
• No cash back may be received at closing, no debt may be paid off at closing
• Loan can't close until confirmation of reservation's income approval has been received
• Must stay in purchased home for at least five years
• Limited grant funds available

3% Down Payment

• Fixed rate conventional home loan
• Finance up to 97% of the purchase price/appraised value, whichever is less
• Down payment** may come from gift funds
• Seller can pay up to 3% of closing costs

Retire My Mortgage

• $299 flat closing cost*
• No appraisal required
• 10 year term
• Low interest rate refinancing

Learn what to expect when applying for a mortgage loan with CUA. Check out our online mortgage resources or visit with a CUA mortgage officer at 316.265.3272 extension 191 or 1.800.256.8049.

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*Property must be owner occupied, primary residence. New CUA loans only. Current CUA loans may be eligible for modifications or traditional refinances. Minimum 2 months reserves are required, escrows are optional. Only single family detached/attached and planned unit developments are eligible for the "Retire My Mortgage" product. Example: A $100,000 loan with a $299 closing cost at 4.00% fixed annual percentage rate would result in a monthly payment of $1,217 for 120 months. Other restrictions may apply, for full details, speak with a CUA Loan Officer.

**A $125,000 purchase price with $3,750 (3%) down payment and $121,250 financed at 4.75% fixed annual percentage rate would result in a monthly payment of $632.50 for 360 months. Sample payment only includes principal and interest. Other restrictions may apply, for full details speak with a CUA Loan Officer.

***A $125,000 purchase price with $6,250 (5%) down payment and $118,750 financed at 4.75% fixed annual percentage rate would result in a monthly payment of $619.46 for 360 months. Sample payment only includes principal and interest. Other restrictions may apply, for full details speak with a CUA Loan Officer.

****Purchase mortgage is a fixed rate, with a 30-year repayment. Annual Percentage Rate (APR) as of 7.13.19 is 4.448% and subject to change. Example: $115,000 loan at 4.375% Interest Rate equals $574.18 monthly payment. Taxes and insurance are not included, actual payments may be greater. 15-year fixed, 20-year fixed and 30-year fixed rate products available. Minimum loan amount of $80,000 and maximum loan amount of $484,350. Minimum FICO® score 700 required for financing. Property types allowed include: Single-family residences and owner-occupied only. No second homes or rentals. Mandatory escrows for taxes and insurance. Product availability, terms, and conditions subject to change without notice.

VISA® Credit Cards

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Cash Back Signature Card

CUA’s Cash Back Visa® credit card sports elite travel benefits and a rewards program that offers points you can redeem for no-black-out-dates airline tickets, merchandise, or 1.5% cash back on Visa dollars spent on purchases.

• 1.5% cash back per dollar spent
• No foreign transaction fees
• Includes elite travel rewards and Visa Signature perks
• New cardholders receive 7,500 bonus points when you spend $3,000 in the first 90 days

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Give Back Platinum Card

Your CUA Give Back Visa® credit card donates cash to area classrooms, continuing education for healthcare providers, and college bound students through grants and scholarships. Donations are based on a percentage of interest paid to CUA and don’t cost the card holder anything extra.

• A percentage of all interest that's paid funds CUA's John Michener Student Scholarships, Nurse Scholarships and TGIF teacher grant programs.
• No annual fees
• 1 CUReward Point for every dollar spent on purchases
• Also enjoy other great benefits –  personal identity theft coverage, travel accident insurance, no dormancy fee and more!

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Go Digital with Your Card!

Go digital by setting up mobile wallet in Apple Pay, Google Pay and Samsung Pay or sign up to receive purchase alerts at visa.com/purchase alerts.

VISA Payment Methods and Addresses

CUA’s Online Banking
Enter payment request by 5:00 p.m. Central Time for same business day posting

U.S. Mail
VISA
PO Box 660493
Dallas, TX 75266-0493

Overnight Mail
PSCU Financial Services
560 Carillon Parkway
St. Petersburg, FL 33716

Telephone Payment
$5.00 fee per transaction, debits payment from your checking account
PSCU Customer Service - 1.800.654.7728