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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.

Home Equity Loans

Apply for a home equity line of credit and have access to funds that can be used for just about anything. Interest is only paid on the balance owed and a new loan application isn’t required when the balance is paid down. It may also provide a tax deduction benefit – talk to your personal tax adviser for more details.

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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

Signature Loans

  • Signature Loans: No collateral required, and you can borrow up to $15,000!
  • Guaranteed Teacher Loans: A 12 month, $1,500 guaranteed loan offered to educators*.
    *Maximum $1,500.00 loan. Stated Annual Percentage Rate includes 5.00% discount for CUA checking with direct deposit. Guaranteed teacher loan requires a copy of your current Kansas USD full-time teaching contract, status as an educator in the state of Kansas, and payroll deduction for loan payment. One guaranteed teacher loan per member at any one point in time. Add-on funding not allowed on guaranteed teacher loans. Part-time teachers and non-teacher workers in the field of education are welcome to apply and must qualify for loan terms. All applicants must qualify for CUA membership and membership must be in good standing. All bankruptcies must be discharged.
  • Healthcare Loans: A 12 month, $1,500 loan available exclusively for healthcare professionals.
  • Laptop Loans: A 0.00% APR loan for up to $2,500 to purchase a computer/laptop/tablet. Available to students with a current student ID.

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