Phone & Live Chat
Mon - Fri: 9AM - 6PM CST
Sat: 10AM - 2PM CST
Member Services
(972) 263-9497 or (800) 314-3828
Teller: Option 1
Loans: Option 2
Debit Cards & Credit Cards: Option 3
Member Services: Option 4
Lost Cards, Fraud, or Disputes
Debit Cards: (866) 820-1075
Credit Cards: (866) 604-8156
Mortgage Loan Questions
(972) 705-4845
Collections
(972) 705-4950 or (866) 705-4950
Buying a home is a big step, and your mortgage should work for you, not against you. Our 40-Year Mortgage gives you lower monthly payments by stretching your loan over a longer term, making homeownership more accessible and manageable.
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Spread your payments over 40 years and free up your monthly budget for other priorities.
Qualify for a higher loan amount thanks to lower payment obligations.
Great for first-time buyers, growing families, or anyone seeking affordable long-term financing.
Monday - Friday 8AM - 6PM
and Saturday 9AM - 2PM CST
Talk to a 40 Year Mortgage Specialist
972-705-4845
A longer term means you may qualify for a bigger loan—giving you access to more homes in your price range.
Lower monthly payments can help you better manage your budget and reduce financial stress.
Lock in a fixed rate and enjoy predictable payments over the life of your loan.
In most cases, yes. The CUTX 40-year loan allows you to make additional payments or pay off the balance with no prepayment penalties.
I simply love this credit union location. My family has gotten several auto loans and personal loans there. I have been a member for over 30 years and my children have accounts also.
Apply online now or get started if you need assistance with your application.
NMLS #576560 Credit Union of Texas provides mortgage loans through its affiliate Texas Mortgage Lending, LLC, NMLS #1641703. CUTX home loan programs are only available in Texas. Loans are subject to credit approval, CUTX's lending policies, and property approval. Prequalification is not a commitment to lend. Membership required. A typical 40-year conforming $300,000 loan with a fixed rate of 6.50% (6.783% APR) would have 480 monthly principal and interest payments of $1,756.37. APR means Annual Percentage Rate. The payment example is for illustrative purposes only and does not include amounts for taxes and insurance premiums. If applicable, the actual payment obligation will be greater. Rates and terms are subject to change without notice. The rate you may receive will depend on your individual circumstances, including your credit history, loan amount, down payment and CUTX's lending policies.
*Rates and terms are subject to change without notice. The rate you may receive will depend on your individual circumstances, including your credit history, loan amount, down payment and CUTX’s lending policies.
A typical 15-year conforming $300,000 loan with a fixed rate of 5.25% (5.707% APR) would have 180 monthly principal and interest payments of $2,411.63.
A typical 30-year conforming $300,000 loan with a fixed rate of 6.00% (6.280% APR) would have 360 monthly principal and interest payments of $1,798.65.
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