Get the security of a fixed interest rate and terms up to 30 years.

Schedule a free appointment with a home loan expert today.

Fixed-rate mortgages have interest rates that stay the same throughout the life of the loan.

  • Your payment never changes regardless of the economy.
  • Flexible terms: 7, 8, 9, 10, 15, 20, and 30 year terms.
  • Down payments as low as 3% with loans from $50,000 to $548,250.
  • We lend on primary, secondary, and investment properties.1skip to disclosure
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Why choose DuPage Credit Union for your fixed-rate mortgage?

  • Low mortgage rates, high member satisfaction. Over 120 5-star experiences
  • You'll work with local home loan experts—from contract to closing and beyond.
  • Pay no application fee until you lock in your rate. The lock in rate is 50 days.2skip to disclosure
  • Save up to $500 by using one of our Preferred Realtors.

Get help with fixed-rate mortgages.

We offer flexible terms ranging from 7 to 30 years for Fixed-Rate Mortgages. Schedule an appointment to learn which might be best for you.

If you’re looking to live in your home for the long haul, then a 30 year mortgage might be the best fit. Keep in mind; however, that even though your payment may be somewhat smaller, the interest rate will be higher and you’ll end up paying more in interest over time.

With a 15 year mortgage, your interest rate will be lower which means you’ll pay your principal off faster and pay less in interest.

To get more information, schedule an appointment with on of our home loan experts.


The difference between a Fixed-Rate Mortgage and an Adjustable-Rate Mortgage is that a fixed-rate mortgage has a fixed-interest rate for the life of the loan; whereas, an adjustable-rate mortgage (ARM) has an interest rate that varies. Sometimes an ARM will start at a lower interest rate than fixed rate mortgages and fluctuate depending on the PRIME rate.

No two situations are the same, so it’s hard to estimate how long your loan process will take. Some of the factors that affect the timeline include the type and terms of the home loan you’re requesting, the types of documentation required in order to secure the loan and the amount of time it takes to provide your lender with those documents.

In general we like to have things ready and set to go within 30 days of your application.

  • Homeowners insurance required. Single-Family homes only in Illinois. Does not include 2-4 flat or apartment complex financing. Max Loan to Value (LTV) is 85% for Purchase, 75% Refinance or Cash-out Refinance for up to four properties. Other restrictions apply to more than four financed properties. Consult a tax adviser regarding deductibility of interest. Must be a Member in good standing. Other restrictions may apply.

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  • The rate lock period is 50 days.

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