Special Offers

Turn your homeowner goals into homeowner achievements with these special offers

Buying a Home?

Learn More: 3% Down Payment Options

Designed for eligible homebuyers, first-time buyers, and servicemen, women, and surviving spouses. In partnership with Wisconsin Housing and Economic Development Authority (WHEDA), buyers can purchase a home with as little as 3% down. WHEDA loans typically support first-time homebuyers and limited-income households by helping reduce the amount of money needed upfront to purchase a home.

Apply Now: 5% Down Payment Options

A solution for buyers who want a lower down payment without program income limits. Conventional mortgage programs allow qualified buyers to purchase a home with a down payment as low as 5%. As a conventional loan option, there are no income qualification requirements beyond our typical underwriting guidelines. For many buyers, this option makes purchasing a home possible with a smaller upfront investment. 

Apply Now: Up to $10,000 for First-time Homebuyers

For first-time homebuyers who may benefit from help covering upfront costs.Saving for a down payment is often one of the biggest challenges when purchasing a first home. Through our partnership with the Federal Home Loan Bank of Chicago, the Down Payment Plus® Grant (DPP) provides eligible homebuyers with up to $10,000 that can be used toward a down payment or closing costs. This program helps support first-time buyers and limited-income households by reducing the amount of money required at closing. Minimum requirements:

  • Must be borrowers primary residence
  • Contribute a minimum of $1,000 from personal funds
  • Complete an approved homebuyer education program
  • Additional terms & conditions may apply

Apply Now: First-time Homebuyers: $1,000 Off Closing Costs1

Eligible first-time homebuyers may receive a $1,000 credit toward closing costs when financing their mortgage with Prime Financial Credit Union. Closing costs are a normal part of purchasing a home and typically range from 2%–6% of the purchase price. These costs may include appraisal fees, underwriting, title services, recording fees, and other transaction-related expenses. This credit helps reduce the amount of cash needed at closing for eligible costs, making the homebuying process more affordable for first-time buyers.

Own Your Home?

Apply Now: No Closing Costs: Home Equity Line of Credit (HELOC)2

A flexible option for homeowners who want to access the equity built in their home. Homeowners who have built equity may be able to use a Home Equity Line of Credit (HELOC) to fund home improvements, consolidate higher-interest debt, or cover major expenses. Our No Closing Costs HELOC special allows qualified homeowners to access their home's equity without the typical upfront costs associated with opening a home equity line. For many homeowners, this turns their home equity into a helpful financial resource available when it's needed most.

Get Started Today!

1: First-time homebuyer is defined as not having owned a home in the last three (3) years. This closing cost special includes an appraisal fee, credit report fee, flood certification, title-lenders title policy, title-settlement fee, recording fees, origination fee, 4506T transcripts, document preparation fee, tax service fee, title and E-Recording fee. Fixed Stated Rates reflect loans up to 80% Loan to Value (LTV); other rates apply for LTVs above 80%. Owner-occupied primary residence only. Homeowner’s insurance required. All rates and terms are subject to credit qualification, other rates and terms may apply. A Prime Financial Credit Union checking account is required to receive any closing incentive for first-time buyers. Offer may be discontinued at any time and without prior notice. Promotional offer cannot be combined with any other offer. Other terms and conditions may apply.
2: Waived closing costs include document preparation fee and processing fee. Lender-paid fees include recording fees, property valuation fees, credit report fees, verification fees (employment), title insurance fees, flood determinations, and government charges. If a full appraisal is required, additional upfront costs may apply. Credit score of 700 or greater required. Maximum loan-to-value (LTV): 80%. Owner-occupied primary residences only. Homeowner’s insurance required. Offer may be discontinued at any time and without prior notice. This offer cannot be combined with other offers.
NMLS ID 718926 - Equal Housing Opportunity. Membership eligibility is required; federally insured by NCUA.