Save money at Prospera® with low rates and local, personal service.

Home Loan Options

  • Fixed rate options – 10, 15, 20 and 30 year
  • Adjustable rate options – 3, 5, 7 and 10 year
  • Specialized options – first-time home buyer programs
  • Construction and lot loans
  • Refinancing options
  • Low Down Payment
    • Qualified borrowers can make down payments as low as 3%

Community Home Loan Special

  • New for our community heroes/experts, qualified borrowers can make down payments as low as
    1%*;gifts and grants allowed




Click here to apply for a loan.



*Applies to Community Hero professions such as teachers, firefighters, police officers, emergency medical technicians and paramedics, as well as Community Expert professions such as CPAs, PHDs, Architects, Mortgage Bankers and Actuaries.
+ APR = Annual Percentage Rate. Limited time offer; cannot be combined with any other offer. $20,000 new money required. APR can vary based on creditworthiness. Checking account must be active with a minimum of 10 transactions per month. Automatic transfers to another Prospera account or loan are not considered in the transactions per month. Verification of income will be required. All loans subject to credit approval. Maximum 80% loan-to-value (LTV) on owner occupied, single family homes. Some restrictions may apply. Payment example: $20,000 at 3.99% APR amortized over 10 years results in 119 payments of $202.44 and a final payment of $202.02.
**No closing costs unless an appraisal is required. Estimated cost $350. Offer expires April 30, 2019
***Applicable to new money loans only; single-family, owner-occupied property only. Does not apply to construction loans, business loans, home equity loans or 15 to 30 year fixed rate mortgages. Offer expires April 30, 2019.


Prospera Credit Union is here to give you personal, tailored guidance to prosperity.