TOPCU Home Loans

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

Home Loans

Loan Term & Type Rate
Fixed-Rate First Mortgage See Centennial Rates *
Fixed-Rate Second Mortgage APR as low as 6.75
Variable-Rate Home Equity Lines of Credit APR as low as 5.25

Last updated April 25th, 2017.

We’ve assembled a team of lending specialists 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 best suited for your specific needs.

For First Mortgage Loans – Centennial Lending

TOPCU is proud to have partnered with Centennial Lending, a credit union-owned service corporation. Centennial serves as the processor and servicer for TOPCU mortgage loans. And, while the online application is processed through Centennial, TOPCU is still here to help you along the way.

Click here to check current Centennial mortgage rates.

TOPCU also offers:

  • Fixed-rate Second Mortgages
  • Variable-rate Home Equity Lines of Credit


Home Equity Lines of Credit (HELOC)

  • No fees
  • No closing costs
  • No annual fee
  • HELOCs 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.

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
  • Ryan Schief, NMLS #1485040
  • Amanda Lindsey, NMLS #1570584
  • Jamie Hoyt, NMLS #525666
  • Melanie Lefler, NMLS #1570869


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