TOPCU Home Loans

TOPCU knows that buying a home is one of the biggest financial decisions of your life and we are here to help with friendly, knowledgeable service and a variety of products designed to help you achieve the American Dream.

We’ve assembled a team of home loan consultants who can walk you through each step of the home loan process with confidence and ease. We also ensure that our home loan products are suited for each member’s specific needs.

TOPCU offers:

  • First mortgages (15- and 30-year fixed)
  • Second mortgages (15-year fixed)
  • Second mortgages for a second home (15-year variable)
  • 15 and 30-year term ARM loans (adjustable), initial terms: 1, 3 ,5, and 7 years To learn more, click here
  • Home equity lines of credit (20-year second mortgage variable)

Home Loans

Loan Term & Type Rate
30 Year Fixed Rate FIRST Mortgage APR as low as 3.625%
15 Year Fixed Rate FIRST Mortgage APR as low as 2.750%
10 Year Fixed Rate FIRST Mortgage APR as low as 2.750%
15 Year Fixed Rate SECOND Mortgage APR as low as 6.500%
5/1 ARM - 30 year with escrow APR as low as 3.00%
5/1 ARM - 15 year with escrow APR as low as 2.75%
5/5 ARM - 30 year with escrow APR as low as 3.25%
5/5 ARM - 15 year with escrow APR as low as 3.00%

Last updated March 1st, 2017.

Getting a loan shouldn’t be a hassle. That’s why TOPCU is committed to showing our members the credit union difference. Stop by any of our three branches or call (520) 881-6262 ext. 700 to talk with a representative.

Home equity lines of credit (HELOC)

  • No fees
  • No closing costs
  • No annual fee
  • HELOC’s are a variable rate product and rates adjust annually

Rates are capped at 5 percent above the initial rate. For example, if your initial rate on your HELOC is 4.25 percent, the maximum rate would cap at 9.25 percent. Interest expense on home equity loans and lines may be tax deductible. Please consult a tax advisor regarding the deductibility of interest. If you have any questions or if you prefer to speak directly with us, then please contact us at (520) 881-6262 ext. 704.

Centennial Lending

TOPCU is a proud member of the Southern Arizona Mortgage Lenders Association and other affiliations.

Centennial Lending is a credit union owned service corporation of which TOPCU is an owner.  TOPCU is proud to have partnered with other local credit unions to work with Centennial Lending.  They serve as the processor and servicer for our mortgage loans.  While the online application is through Centennial, TOPCU is still here to help you in the process of loan application and closing.

In accordance with the Secure And Fair Enforcement for Mortgage Licensing Act (S.A.F.E. ACT) please find the list of registered Mortgage Loan Originators with their unique identifiers:

  • Tucson Old Pueblo Credit Union NMLS # 441750
  • Maritza Gastelum NMLS # 771889


Rates may be fixed or variable and may include discounts or other promotional conditions. Rates are subject to change without notice.