Put your home’s equity to work with a reliable, fixed-rate solution.

SECOND MORTGAGE LOANS

UNLOCK THE VALUE IN YOUR HOME

A second mortgage—also known as a home equity loan or H2—lets you tap into the value you’ve built in your home without refinancing your primary mortgage. Whether you're planning a big event, managing debt, or simply want to improve your lifestyle, a second mortgage from Alpine Credit Union offers a smart, stable way to access cash.

WHY CHOOSE A FIXED RATE SECOND MORTGAGE?

At Alpine Credit Union, our fixed-rate second mortgage gives you:

  • Predictable monthly payments that won’t change
  • A competitive, fixed interest rate for the life of the loan
  • Flexible loan terms to meet your budget
  • Fast local approvals and personalized service
  • No need to touch your first mortgage

What Can You Use It For?

Home equity loans can provide access to large amounts of money and are often easier to qualify for than other types of loans—because you’re putting your home up as collateral. You can use the funds for:

  • Home improvements or renovations
  • Weddings or other major life events
  • Debt consolidation
  • Vacations and lifestyle upgrades
  • Education expenses, emergency needs, or anything else

Take control of your finances and make the most of your home’s value. Contact Alpine Credit Union today to learn more about our fixed-rate second mortgages.

Conventional Rates

TermAPR* As Low As
15 Year Fixed5.696% APR*
20 Year Fixed5.907% APR*
30 Year Fixed6.245% APR*
30 Year Fixed No PMI, with 15-year balloon5.766% APR*
VAContact Credit Union for Current Rates
FHAContact Credit Union for Current Rates
USDAContact Credit Union for Current Rates
Rates current as of: 09/22/2025

Use our easy mortgage calculator to find your ideal price range and monthly payment. 

Payment Calculator

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NEXT STEPS

  1. Use the calculator to explore your price range.
  2. Contact our Mortgage Department for today’s rates and personalized guidance if needed.
  3. Start your application and get pre-approved quickly!

CONTACT OUR MORTGAGE DEPARTMENT

Call or Text: 801-857-2470
Email: mortgage@alpinecu.com
Fax: 801-426-1522