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Fixed-Rate Mortgage Loans


Fixed-Rate Mortgage Loans

Get a competitive rate and lock it in for the life of your loan with a term that suits your budget.



A happy couple hugging in their new home that they purchased with a fixed-rate mortgage.


Features of a Topside FCU Fixed-Rate Mortgage Loan


Fixed APR

Enjoy the same affordable rate throughout your entire loan term.

Range of Terms

Get a fixed-rate loan for 10, 15, 20, or 30 years to match your goals.

Easy Down Payment

Get started with a down payment as low as 3%**.

Expert Guidance

Topside has teamed up with CUMA to provide the best advice and service.


What You Need to Know About Fixed-Rate Mortgage Loans

Enjoy easy budgeting and peace of mind knowing your interest rate and monthly payments will stay the same.

  • Get the same competitive APR* through the life of your loan.
  • Loan terms are 10, 15, 20, or 30 years to suit your budget.
  • Down payments start as low as 3%**.
  • Your mortgage payment may include private mortgage insurance (PMI) if your down payment is under 20%.
  • We have programs with no private mortgage insurance (PMI) with down payments as low as 10% (based on 90% loan-to-value). 
  • You can cancel PMI when you reach 20% equity.
  • You can refinance in the future if interest rates drop or you want a different payment.
  • Easily apply online and use free automatic transfer from your Topside accounts.

We've partnered with Credit Union Mortgage Association (CUMA) to bring you expert advice and ongoing loan servicing for your fixed-rate mortgage loan.

Apply Now
Young couple with their baby in the home they bought with a fixed-rate mortgage loan.



“Great experience with refinance on my commercial building with service and rate! I highly recommend changing lender over to Topside, you will not be disappointed!”

-Julie K. B.



Enjoy These Great Features of Your Fixed-Rate Mortgage Loan

Competitive APR

Use our Loan Consultant feature to find out your likely fixed-rate for your mortgage loan based on down payment and credit.

24/7 Online Access

Manage your payments and check your balance anytime you like with free Online and Mobile Banking.

Convenient Calculators

Explore purchase price, income, and payments with our mortgage calculators.



Personalized Experience

We'll give you the information and tools you need so you can enjoy the home buying process.

Simple Payments

You can transfer funds from your Topside Checking or Savings account free of charge.



Tools to Help You Apply for a Fixed-Rate Mortgage Loan:



Fixed-Rate Mortgage Loan FAQs



More Handy Home Loan Options from Topside FCU

Adjustable-Rate Mortgage Loans

Get a lower monthly payment to start your loan with a low, fixed initial interest rate. Your rate and payment will later adjust with the markets. Great if you plan to sell, refinance, or earn more.

Learn More

FHA Loans

Enjoy easier qualifying, a low down payment, and lower mortgage insurance than conventional loans. First-time and repeat homebuyers may be eligible if they meet credit and income restrictions.

Learn More

Home Equity Loans and Lines of Credit

Pay for renovations, weddings, college, debt consolidation, and anything else you want through a low-interest lump sum loan or a revolving line of credit to use as needed.

Learn More



*APR = Annual Percentage Rate.

** With PMI (private mortgage insurance) at 97%, down payments can be as low as 3%. With PMI at 90%, down payments can be as low as 10%.