Build your dream home from the ground up
with a Construction or Lot Loan from Unison Credit Union.
Whether you're purchasing land, starting fresh with a custom build, or expanding your existing home, we provide the flexibility and financial support to bring your vision to life.
You’ve spent time imagining the possibilities—now it’s time to make them happen. With competitive rates, flexible financing options, and the personalized service of our local experts, we’re here to help every step of the way. Let’s turn your blueprint into reality.
Construction Loan
You know exactly what you want in your home. And you know where to get the financing for it–Unison. Get the money you need to build your home from the ground up or customize it with a remodel. It's a great option for paying construction costs while your home is being built or expanded.
- Convenient disbursement process
- Pay interest only on money that has already been used
- No principal payments required during construction
- Use our Mortgage Calculator to estimate costs
Land Loan
When you're looking for a piece of land to construct a home, expand your property or use for recreational purposes, a Land Loan can provide the financing you need. You're able to buy the land in advance and pay it off over time to spread out the cost of building your dream home.
- Up to 15-year term
- No prepayment penalty
- Bi-weekly payments
- Use our Mortgage Calculator to estimate costs
View Current Rates
Effective Date:Home Loan Options
| Loan Type | Term | Rates as low as* | Payments per $1,000 |
|---|---|---|---|
| Fixed & Adjustable Rate Mortgages | Terms Vary | Rates Vary | Visit Mortgages Rate Page |
| Home Equity Loans & Lines of Credit | Terms Vary | Rates Vary | Visit Mortgages Rate Page |
| Construction & Land Loans | Terms Vary | Rates Vary | Visit Mortgages Rate Page |
| QuickLend Loan | 36 Months | 9.99% APR*† | $32.28 |
| QuickLend Loan | 48 Months | 10.99% APR*† | $25.86 |
| QuickLend Loan | 60 Months | 11.99% APR*† | $22.26 |
| QuickLend Loan | 72 Months | 12.99% APR*† | $20.09 |
| QuickLend Loan | 84 Months | 13.99% APR*† | $18.75 |
*APR = Annual Percentage Rate. "As low as” APR rate is best available for select terms.
†For homeowners with a new or existing Unison mortgage and checking account. Individual rate, terms and loan approval subject to credit review and membership eligibility. Loan is unsecured and is not a mortgage product. Requires proof of income and owner-occupied property. $30,000, maximum loan.
Empowering Every Chapter of Life!
Where Convenience Meets Confidence.
Unlock Your Home's Potential
Discover the power of your home’s value with our Home Equity Line of Credit (HELOC). Open the door to money-saving opportunities to make home improvements, consolidate debt, purchase a vehicle or pay for college tuition.
Stay on Top of Your Credit
Know your credit score and take control of your financial future with SavvyMoney. This free online tool lets you check your score in real-time and provides personalized tips to help you improve it. Start building better credit today with Unison!
*APR = Annual Percentage Rate. "As low as” APR rate is best available for select terms.
†For homeowners with a new or existing Unison mortgage and checking account. Individual rate, terms and loan approval subject to credit review and membership eligibility. Loan is unsecured and is not a mortgage product. Requires proof of income and owner-occupied property. $30,000, maximum loan.