Mortgages & Home Equity Loans

¹APR is subject to change without notice.  APR is shown assumes a purchase transaction of a single family detached, primary residence in Illinois, a loan-to value ratio of 75% or less, minimum credit score of 780; a loan amount of $240,000 (on conforming balance loans & $806,501 on jumbo loans) and a 45-day rate lock period.  APR shown assumed an estimated $3,875 in prepaid finance charges.

HomeAdvantage^® program is made available to you through a relationship between BCU and HomeAdvantage^®. Program Cash Rewards are awarded by HomeAdvantage^® to buyers and sellers who select and use a real estate agent in the HomeAdvantage^® network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using BCU for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. HomeAdvantage^® may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you. States and/or major metropolitan areas included in the HomeAdvantage program include: Major metropolitan areas located within 49 states, excluding SD. New cities, states and real estate agents continuously join the program. If you do not see the area you’re interested in, contact HomeAdvantage at 800-203-9014. Terms and disbursement of cash rewards vary by state. HomeAdvantage® is a registered trademark of HomeAdvantage^®

*To qualify as a Rewards Member, you must have two of the following relationships: direct deposit of at least $1,000 per month into a Credit Union checking account; at least $25,000 on deposit with the Credit Union; or a qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Card. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you as a Rewards Member.

**Offer is for eligible Rewards Members only. BCU will cover the BCU lender administration fees not to exceed $1,050 in aggregate. BCU will not cover discount points which can be used to buy down the interest rate, funds needed to set up an escrow account, prepaid interest, state or local taxes, and any accrued interest on a current mortgage. Offer is for a first mortgage purchase or refinance transaction of an owner-occupied primary residence. Home equity loans and lines of credit do not qualify for the closing cost discount. Certain mortgages may not be eligible for the stated closing cost discount. Offer may not be combined with any other mortgage offers. Offer subject to credit approval. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice. Must submit first mortgage purchase or refinance application between May 1, 2025 and May 31, 2025.