Mortgage Features

When buying a new home or looking to refinance, choosing the right mortgage is key. Whether you are buying your first home or are a seasoned pro, you can be sure we have a mortgage that is a perfect match for your needs and budget.

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No origination fee.1
That's right, there's no origination fee which can save you an average of $2,500!
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Fixed-rate loans.
Fixed-rate mortgages are available with loan terms from 5-30 years.2
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Competitive rates.
Our low mortgage rates and refinance rates offer you an affordable monthly payment.
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Expert help.
Our Mortgage Loan Specialists are by your side providing guidance from start to finish.
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Get pre-approved first.
Know how much home you can reasonably afford before falling in love with a home outside your financial comfort zone.
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Learning The Lingo

Purchase or refinance?

To find the mortgage option that's best for you, let's review the basics:

A Fixed-Rate Mortgage is a loan with a 15 or 30 year term that has the same rate during the entire term of the loan. Your monthly mortgage payment is the same each month until the loan is paid off. Copper State Credit Union services your home loan until you pay the mortgage off.

Refinancing a mortgage you have elsewhere is easy. The same fixed rate options shown above are available. Check out our current mortgage rates and use our mortgage calculator below to determine how much you could save on your monthly mortgage payment!

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Mortgage Rates

Use the mortgage calculator below to see what your monthly payment could be with these great mortgage rates.
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*APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions.

If you are interested in a mortgage loan that is not a 15 year or 30 year term, please contact our Mortgage Concierge at 623.580.6020 about terms from 5-30 years.

Mortgage Rates
Product Type
Rate
APR*
Product Type
15 Year Fixed
Rate
2.63%
APR*
2.81%
Product Type
30 Year Fixed
Rate
3.00%
APR*
3.19%
Effective March 1, 2021

*APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions.

If you are interested in a mortgage loan that is not a 15 year or 30 year term, please contact our Mortgage Concierge at 623.580.6020 about terms from 5-30 years.

The right Mortgage for you:

  • Fixed rate mortgage.

    Use Copper State Credit Union's fixed rate mortgage for your primary home, second home, vacation home or investment property!

  • Refinance your mortgage.

    Refinancing is easy! See how much you could save on your monthly mortgage payment by switching your mortgage to Copper State Credit Union!

  • VA loans are available.

    VA loans offer exclusive mortgage benefits to service members, veterans and eligible surviving spouses to help make homeownership affordable.

  • FHA loans are available.

    FHA loans require a lower minimum down payment and are most popular with first-time homebuyers and those who have limited savings or lower credit scores.

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Our low mortgage rates and refinance rates can help you afford the home you've imagined.
No matter which mortgage you select, have confidence that we will be by your side each step of the way. You'll have access to tips, advice, a great rate and a monthly payment that will work with your budget.
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Mortgage Calculator

See how much home you can afford. Adjust the rate and loan term to see what works with your budget. Like what you see? Email yourself the results for reference.

We recommend a 20% down payment for all mortgages.
Your actual term and payment will be provided upon acceptance of a Copper State CU loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.
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It Is Possible

Homeownership is an adventure!

We value you, your family and your goal to provide a safe, comfortable home for those you love. Our mortgage experts will allow you focus on the adventure and new memories, not the process or paperwork.

Whether you are a first-time homebuyer, a veteran in search of a new home or are looking to save money on your current mortgage payment, Copper State Credit Union can help. 

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First-Time Homebuyer
Lorenzo B.

Very professional and personable. They made me feel like they had known me for 20 years.

They care about you and your family's needs. Because of them, my family's dreams are coming true.

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Payments Made Easy

Manage Your Mortgage

Did you know we have a tool in online banking JUST for your mortgage?

You can use our mortgage widget to:

  • Check your mortgage balance
  • Set up statements
  • Make your payment

You must be enrolled in Online Banking in order to use this tool. Here are some quick instructions to help you access your mortgage widget.

Mortgage Widget Instructions:

  1. Log in to online banking
  2. Click More from the menu on the left. Then, click Widget Options
  3. Scroll down to Available Widgets and find the House icon labeled Mortgage
  4. Click the + Add symbol to add the Mortgage widget to active widgets. You will see a green banner confirming the widget was added successfully. You can close this pop up.
  5. Click More from the menu on the left and you will now see your Mortgage widget listed. Enjoy your new time-saving widget!

The S.A.F.E. Act

The Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act) is a federal law designed to improve protection for consumers and reduce fraud in mortgage lending. Under this law, individual Mortgage Loan Originators (MLOs) must register in the Nationwide Mortgage Licensing System and Registry (NMLS).
 
All of Copper State Credit Union's mortgage loan originators are highly trained mortgage specialists who are registered with the Nationwide Mortgage Licensing System and Registry (NMLS). Locate your Mortgage Loan Originator's (MLOs) NMLS "ID," or contact us at 623.580.6000 with any questions. 

Have a Question?

Frequently Asked Questions

What is a mortgage loan?

Fixed Rate Mortgage: A fixed rate mortgage is a loan with a 15 or 30 year term that has the same rate during the entire term of the loan. Your monthly mortgage payment is the same each month until the loan is paid off. You can use our Mortgage Calculator above to estimate what your payment could be. While you have a mortgage on your home, Copper State Credit Union holds the title/deed to your home. When you pay the mortgage off, your name will go on the title/deed as the owner of the home.

To ensure you’re choosing the right mortgage, call 623.580.6000 or 800.224.3330 to set up an appointment with a Mortgage Loan Specialist. If you’re ready, you can start your pre-approval process so you can make an offer with confidence.

How much will it cost me to refinance my mortgage?

Refinancing a mortgage you have elsewhere to Copper State Credit Union is easy. Plus, the same fixed rate options are available to you. To determine how much you could save on your monthly mortgage payment, use the Mortgage Calculator above.

We encourage everyone looking to refinance their existing mortgage to call 623.580.6000 or 800.224.3330 to speak with a Mortgage Loan Specialist. This helps to ensure you’re getting the best mortgage option for your home.

What Mortgage documents are needed for pre-approval?

Getting ready to apply or get pre-qualified for a mortgage loan? Congratulations, that is awesome! Now is the perfect time to start gathering your needed documentation. Here is a checklist of documents you'll likely need to provide to your mortgage lender.

Do you offer down payment assistance?

Yes, we are part of the Workforce Initiative Subsidy for Homeownership (WISH) program to provide down payment assistance to our community families. Contact us at 623.580.6000 or 800.224.3330 to speak with a Mortgage Loan Specialist to see if you qualify.

HOW TO BUY A HOUSE IN ARIZONA

Claim your FREE copy!

Confidently purchase the home of your dreams!
How To Buy A House In Arizona - Copper State Credit Union Guide Book
Free expert tips to navigate the home-buying process in Arizona with ease.

Are you getting ready to purchase your dream home right here in Arizona? Here's what you can expect and how to prepare.

Included in the free guide:
  1. How To Prepare
  2. Determining Your Budget
  3. Realtor & Lender Tips
  4. Getting Pre-Qualified
  5. Navigating the Arizona Market
  6. Making An Offer
  7. Finalizing The Agreement

Get your free copy now!

Confidently purchase the home of your dreams!
Disclosure

1Savings amount is based on a $250,000 mortgage loan with an average 1% origination fee.

2APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval. For a $250,000 loan with a 20% down payment at 3.19% APR for a 30 year term, the monthly payment would be $843 (excluding property tax and insurance); for a $250,000 loan with a 20% down payment at 2.81% APR for a 15 year term, the monthly payment would be $1,345 (excluding property tax and insurance). 1% Origination Fee may apply.

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