First Mortgage Loans

15 or 20 Year Fixed Mortgage

A 15 or 20 year fixed rate loan with Members Trust offers a variety of benefits:

  • Competitive fixed interest rates
  • Refinance or Purchase
  • Maximum loan-to-value (LTV) is 85%
  • Minimum loan amount is $25,000
  • Payroll deduction accepted from any employer
  • In house underwriting and approval
  • No Private Mortgage Insurance (PMI) required
  • Serviced by the credit union
  • Application and Closing Costs vary by property location but generally average $610.00 on a refinance and $610.00 plus Title Agency and Recording costs on a purchase


25 or 30 Year Mortgages

Through strategic partnerships, Members Trust Federal Credit Union is able to offer mortgage loans to fit a variety of needs. We offer the following loan products:

  • Purchase or Refinance
  • Fixed rates up to 30 years
  • Adjustable rates
  • FHA or VA Loans
  • Rural Development
  • My Community
  • Processing, Approval, Closing, Funding and Servicing completed by partner service

If you are interested in financing your first mortgage through Members Trust Federal Credit Union, please contact one of our Loan Officers

Catherine Heffner Jamie Tomlin
Manager of Lending and Promotions Loan Officer
NMLS# 1084090 NMLS# 1159252
cheffner@luxotticaretail.com jtomlin@luxotticaretail.com
Direct: 513-765-3822 Direct: 513-765-3778
Fax: 513-492-3822 Fax: 513-492-3778


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