Welcome Home Bonus
$500 Welcome Home Bonus

A Big Thank You

We understand that buying a home is a big deal! When you purchase a home, we want to be there to celebrate with you. That's why we're awarding a Welcome Home Bonus1 to everyone who purchases a new home with us. When you win, we all win. That's the beauty of choosing a local credit union.

Inside our gift basket you'll find:

  • $500 Visa gift card
  • Wool blanket 
  • Stainless steel grilling set
  • Tote bag
  • Mug
  • Hat
  • Magnet
  • Notepad
  • Lip Balm
  • Pens
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Mortgage Features

When buying a new home or looking to refinance, choosing the right mortgage is key. Whether you are a first-time homebuyer or 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 Hidden Fees
We let you know exactly which fees may occur - multiple, complicated fees don't exist here.2
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Fixed-Rate Loans
Fixed-rate mortgages are available with loan terms from 5-30 years.3
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Competitive Rates
Our low mortgage rates and refinance rates offer you an affordable monthly payment.
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Quick Pre-Approval
Know how much home you can afford before you start your search.
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Woman holding child up in the air after getting approved for a mortgage.

Mortgage Rates

With Copper State CU, first-time homebuyers may qualify for a 3% minimum down payment. See current mortgage rates below.
Mortgage Rates
Product Type
Rate
APR*
Product Type
15 Year Fixed - 1 Point
Rate
6.000%
APR*
6.289%
Product Type
15 Year Fixed - 1.5 Points
Rate
5.750%
APR*
6.116%
Product Type
30 Year Fixed - 1 Point
Rate
6.500%
APR*
6.679%
Product Type
30 Year Fixed - 1.5 Points
Rate
6.375%
APR*
6.602%
Effective June 30, 2025

*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.

Start Your Application Today

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Please contact us at 623.580.6020 for FHA and VA rates.

 

WISH First-Time Homebuyer Program

For low to moderate-income individuals and families, we understand that the journey to becoming a homebuyer takes extraordinary hard work and determination.

That's why we are part of the Workforce Initiative Subsidy for Homeownership (WISH) program. We want to empower your dreams of homeownership! Contact us to learn more.

To be eligible for WISH funds, the homebuyer will need to:

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Meet Income Eligibility
You must meet income eligibility guidelines for the WISH program.4
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Completed Courses
Have successfully completed a homebuyer counseling course.5
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First-Time Homebuyer
Be a first-time homebuyer.6 This program is only for first-time homebuyers.
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Open Escrow
Open escrow on a home purchase transaction within one year of enrollment.
Contact Us
Model home held by first time homebuyers.
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4-to-1 Matching Grants
Up to $32,099 can be applied to the down payment and closing costs for the purchase of a home!7
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The housing market forecast in Arizona is looking as hot as our summer sun. Luckily, we've got everything you need to confidently purchase the home of your dreams

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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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The Right Mortgage For You

  • Fixed Interest 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.

Family on floor playing after refinancing their home.
Our Low Mortgage Rates Can Help You Afford The Home You've Always 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 with this home loan calculator. 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 to 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. 

Get Started
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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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

How do I make my mortgage payment?
  • In person: Visit any of our branch locations.
  • Via mail: There will be a payment coupon attached to your monthly statement. Please detach and mail with your check allowing sufficient time for delivery before your due date.
  • Via online banking/mobile app: After you enroll in online banking via my.copperstatecu.org/enroll, navigate to your online banking dashboard. Click on your mortgage loan, then click Manage Your Mortgage. This will take you to a new page where you can pay your mortgage, view mortgage documents such as your monthly statements, tax docs or escrow statements. You can also find and review your payment history.

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.

Which 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 do I access my mortgage statements?
To view statements online, enroll or login to online banking from copperstatecu.org. Navigate to your online banking dashboard. Click on your mortgage loan, then click Manage Your Mortgage. Here, you can view mortgage documents such as your monthly statements, tax docs or escrow statements. You can also find and review your payment history or set up a new payment.
Disclosure

1The $500 gift card promotional incentive is based on new mortgage purchases only. Mortgage refinances from Copper State Credit Union or another financial institution are not applicable. Promotion ends December 31, 2025. Restrictions may apply. Offer subject to change without notice. Any earned promotional incentive will be reported to the IRS for tax purposes. NMLS # 410376

2A one-time processing fee is charged as a part of your mortgage loan.

3APR=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 a 6.679% APR for a 30 year term, the monthly payment would be $1,264 (excluding property tax and insurance); for a $250,000 loan with a 20% down payment at 6.289% APR for a 15 year term, the monthly payment would be $1,688 (excluding property tax and insurance). 1% Origination Fee may apply.

4Meet income eligibility guidelines, as published by the Bank at the time of enrollment in the WISH Program and is at or below 80% of the HUD area median income.

5The homebuyer must have successfully completed, and the Member must certify completion of, a homebuyer’s counseling program provided by, or based on one provided by, an organization recognized as experienced in
homebuyer counseling.

6First-time homebuyer is defined as an individual who has never owned a home before, an individual who has not owned a home for at least three years and for married couples, if one spouse is a homeowner but the other spouse has never owned before, then, according to the FHA, both spouses are considered first-time homebuyers.

7WISH Set-Aside funds may be used only as a grant toward the down payment and/or reasonable and customary closing costs for the purchase by an eligible household of an owner-occupied housing unit to be used as the
household’s primary residence.

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