LifeTrust offers a variety of home loans, including fixed-rate and adjustable-rate first mortgages, home equity and construction loans.

First Mortgage Home Loan

Think of PRCU first when you are looking for the home of your dreams -- we can help make your dreams come true, with a loan that is tailored just for you. Features covered:

• Home purchase or refinancing of an existing home loan


• Varied terms, up to 30 years


• Qualified applicant may borrow up to 95% of sale price or appraisal (the lesser of the two) on purchase. (Loan-to-value may be lower on certain types of homes.)


• Minimized closing costs*


• Please call for current interest rate and fee information


• Choose from fixed, 1 yr. adjustable, 3 yr. adjustable or 5 yr. adjustable rates

Click here for Payment Calculator and other Mortgage Calculators

Home Equity Line of Credit (HELOC)

Establish a PRCU Home Equity Line of Credit and draw on it whenever you need funds for just about anything: a child's college education, a new car or boat, home addition or improvements, a fun vacation, Christmas, or whatever else your loan needs may be. Interest is only calculated on the amount you borrow and may be tax deductible. Other features include:

• Borrow up to 90% of your home's value minus first mortgage balance if first mortgage is held at LifeTrust or no first mortgage OR up to 80% of home's value minus first mortgage if first mortgage balance held with another lender


• Draw period of five years


• Initial Minimum Advance of $2500 may be required


• Minimized Closing Costs*


• Interest may be Tax Deductible (contact your tax advisor)


• Can use money for any purpose


• Easily accessible - on-line account access, TLC, phone and in person


• Adjustable rate based on prime rate and credit worthiness, not to exceed 18% APR


• Rate subject to adjustment monthly

Fixed Home Equity

If you don't need the flexibility of a line of credit and would like to have more interest rate stability, a Fixed Home Equity loan may be just what you are looking for. You still use your most powerful borrowing tool to fund just about anything: a special vacation, college education, bill consolidation, etc.

• Borrow up to 90% of your home's value minus first mortgage balance if first mortgage is held at LifeTrust or no first mortgage OR up to 80% of home's value minus first mortgage balance if first mortgage held with another lender
• Minimized Closing Costs*
• Minimum loan of $2500
• Interest may be Tax Deductible (contact your tax advisor)
• Can use money for any purpose
• Fixed Rate throughout life of Loan
• Rate based on prime rate and credit worthiness

*Manufactured Home Loans will have a $500 processing fee plus any additional fee that is associated directly to a manufactured home loan.

Land Loans

UCU is proud to now offer land loans. Whether you are looking to buy hunting land or land for a future build, we have the loan that is right for you. If the land you wish to purchase or refinance is for personal use, please contact our Mortgage Department.

However, if you are looking to purchase or refinance land for business purposes, you may want to speak to our Business Loan Representative. You may either call at: 573.581.8651, Ext 151 or e-mail for information.

Construction Loans- Not Available

When you're thinking of borrowing and you're thinking BIG, think of LifeTrust. We offer affordable rates, flexible terms and the service you can count on when making one of the biggest financing decisions of your life. Look to us first, and you will find a courteous, knowledgeable, professional staff ready to meet your needs.

For more information, please e-mail our Mortgage Department