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Mini Mortgages

Your home loan, made tiny.

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A mini mortgage is a fixed rate UCCU home equity loan that can be used to refinance your mortgage loan with NO CLOSING FEES so you can get your home paid off sooner!*

You’ve got questions.
We’ve got answers.

(801) 223-7650 | [email protected]
or send us a secure message from within online & mobile banking.

Available M–F 8am–6pm, and Sat. 9am–2pm

A lot like your current home loan, only smaller

If you have 15 years or less on your mortgage loan you may want to consider a Mini Mortgage, which enables homebuyers to refinance the balance of their home loan for a shorter term – and possibly a better rate – with no fees. 

Yep, we said it… No closing fees!*

Pay off your mortgage sooner and save lots of money doing it.

*Fee reimbursement for appraisal and title work apply if loan is paid off and closed within 24-months of the note date. Equal housing lender. NMLS # 407653. Insured by NCUA.

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5 Year Fixed Rate Mini Mortgage

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7 Year Fixed Rate Mini Mortgage

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10 Year Fixed Rate Mini Mortgage


Additional home loan options:

Providing Low Rates Is Our Highest Priority

We’re here to help

Call or Text

(801) 223-8188
Mon – Fri: 8:00am – 6:00pm
Sat: 9:00am – 2:00pm

Send an Email

[email protected]
Or send us a message from inside online banking.

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Mini Mortgage Fixed Rate 5 Year (Home Equity Line of Credit)

*APR = Annual percentage rate. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 3.50% variable APR (Prime + 0.25%). Property insurance is required. Interest rate will not vary above 18.00% or below 3.50%. Variable rates based on the Prime Rate as published in the Wall Street Journal on the 15th day of the month prior. Limited time offer. Title and insurance fee reimbursement is required if reconveyed within 24 months of funding date. Equal housing lender. NMLS # 407653. Federally insured by NCUA.

Mini Mortgage Fixed Rate 7 Year (Home Equity Line of Credit)

*APR = Annual percentage rate. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 3.75% variable APR (Prime + 0.50%). Property insurance is required. Interest rate will not vary above 18.00% or below 3.75%. Variable rates based on the Prime Rate as published in the Wall Street Journal on the 15th day of the month prior. Limited time offer. Title and insurance fee reimbursement is required if reconveyed within 24 months of funding date. Equal housing lender. NMLS # 407653. Federally insured by NCUA.

Mini Mortgage Fixed Rate 10 Year (Home Equity Line of Credit)

*APR = Annual percentage rate. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 4.00% variable APR (Prime + 0.75%). Property insurance is required. Interest rate will not vary above 18.00% or below 4.00%. Variable rates based on the Prime Rate as published in the Wall Street Journal on the 15th day of the month prior. Limited time offer. Title and insurance fee reimbursement is required if reconveyed within 24 months of funding date. Equal housing lender. NMLS # 407653. Federally insured by NCUA.