Loans & Mortgages

Competitive rates, fast approvals, and local decision-making to help you reach your goals faster.

Member Rate Advantage: As a CUSB member, you automatically qualify for rates up to 0.50% lower than standard market rates. Not yet a member? Join today →
Home Mortgages

Your Dream Home Starts Here

CUSB offers a full range of home loan products with competitive rates and local underwriters who understand your community. Get pre-approved online in minutes.

  • 30-year fixed from 6.25% APR
  • 15-year fixed from 5.75% APR
  • 5/1 and 7/1 ARM options available
  • FHA and VA loans accepted
  • First-time homebuyer programs with down payment assistance
  • No prepayment penalties
  • Local processing — decisions made here, not a call center
Apply for a Mortgage View Current Rates
30-Year Fixed Mortgage
6.25%
APR — Member Rate

15-Year Fixed
5.75% APR
5/1 ARM
5.50% APR
Auto Loans

Drive Away with a Better Rate

Whether you're buying new, used, or refinancing your current auto loan, CUSB delivers fast approvals and rates that beat most dealers' financing offers.

  • New auto loans from 5.49% APR
  • Used auto loans from 6.25% APR
  • Refinance your current auto loan and save
  • Terms up to 84 months
  • Pre-approval letter in as little as 1 hour
  • No down payment required on qualifying loans
  • GAP insurance and extended warranty options
Apply for Auto Loan
New Auto Loan Rate
5.49%
APR — Up to 84 months

Used Auto
From 6.25%
Pre-Approval
~1 Hour
Down Payment
$0 Required
Personal Loans

Fund What Matters Most

From home improvements and medical bills to debt consolidation and special occasions — our personal loans offer fixed rates, fixed payments, and no collateral required.

  • Borrow from $1,000 to $50,000
  • Fixed rates from 8.99% APR
  • Terms from 12 to 60 months
  • No collateral required
  • Same-day funding on approved applications
  • No origination fees
  • Personal line of credit also available
Apply for Personal Loan
Personal Loan
From 8.99%
APR Fixed Rate

Amount
$1K–$50K
Terms
12–60 mo
Funding
Same Day
Home Equity

Unlock the Power of Your Home

Use the equity you've built in your home to fund major expenses at some of the lowest rates available — far lower than personal loans or credit cards.

  • Home Equity Loans from 7.25% APR fixed
  • HELOCs from Prime + 0.25% variable
  • Borrow up to 90% of your home's equity
  • Interest may be tax-deductible (consult your advisor)
  • Flexible draw periods up to 10 years
  • No closing costs on select products
Apply for Home Equity
Home Equity Loan
7.25%
APR Fixed

HELOC Rate
Prime+0.25%
Max LTV
90%
Closing Costs
$0 Select
Student Loans

Invest in Your Education

CUSB partners with leading education lenders to offer private student loans and refinancing options for graduates looking to lower their monthly payments.

  • Private student loans from 4.99% APR
  • Refinance existing student debt and save
  • Deferred repayment while in school
  • Cosigner release available after 24 months
  • No origination fees or prepayment penalties
  • Scholarship resources and financial counseling available
Talk to a Loan Advisor
Private Student Loan
From 4.99%
APR — Fixed or Variable

Refinancing
Available
In-School Defer
Yes
Orig. Fee
$0
Simple Application Process

Apply in 4 Easy Steps

Our streamlined process gets you from application to funding as quickly as possible.

1

Apply Online

Complete our secure online application in under 10 minutes from any device.

2

Fast Decision

Our local team reviews your application and gives you a decision — often same day.

3

Review & Sign

Review your loan terms and e-sign your documents securely from anywhere.

4

Get Funded

Funds are deposited directly to your account — sometimes as fast as same day.

Ready to Apply?

Get pre-approved today with no impact to your credit score.