ATTENTION The financial community is seeing an aggressive increase in attempts to access member account information through scams and phishing. Hi-Land Credit Union will never contact you to ask for your username, password, or PIN. If you are concerned about a text message, call, or email you receive, please call 801-261-8909.

Mortgage Rates



Effective: 03/17/2023




Fixed Rate First Mortgage


Mortgage Term


5 Year


10 Year


15 Year


20 Year with a 15 Year Call


30 Year with a 15 Year Call




Fixed Rate Second Mortgage



Mortgage Term Maximum LTV APR
5 Year 75% 8.15%
10 Year 75% 8.40%
15 Year 75% 8.99%




Home Equity Line of Credit (HELOC)


Maximum LTV Maximum LOC APR
0-80% $50,000 Prime Rate




  • APR isĀ Annual Percentage Rate.
  • Appraisal, Flood Insurance, Title Insurance, and Title Fees may apply.
  • All Rates Subject to Change Without Notice.
  • Disclosures: Home Equity Line of Credit (HELOC)
    *Annual Percentage Rate may vary. Maximum APR 18.00%. Limited to residential owner-occupied homes. APR = Annual Percentage Rate. Equal Housing Lender. NMLS #789558. These plans have a variable rate feature and the APR and minimum payment may change as a result. The annual percentage rate is based on the value of an index. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. When a range of rates has been published, the highest rate will be used. To determine the annual percentage rate that will apply to your account, we add a margin to the value of the Index. The margin you will receive is based on your creditworthiness and loan-to-value.