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Mini Mortgages

Your home loan, made mini

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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

Let’s mini your mortgage

A UCCU Mini Mortgage is a unique way to refinance your home that comes with no fees, no closing costs, and lots of flexibility. 

For example, you may be able to lower your interest rate, open a line of credit that gives you ongoing access to your home’s equity, and accelerate your payoff–all in one loan!

How does it work? A UCCU Mini Mortgage is actually a Home Equity Line of Credit that is used to pay off your mortgage loan with no fees, and it also keeps the line of credit open for any of life’s big expenses. 

Best part is UCCU Mini Mortgages are fast and can be done 100% online, or over the phone, or in any of our branch locations.

Get started today!

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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.

Stop by a Branch

Find a Location

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.