Your Source for Mortgage and Home Equity Loans

Whether you're buying, refinancing the house you've already made a home, or about to undergo a remodel, we've got the products you'll need.

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Your Home Team!

Our Mortgage Department offers you the best of both worlds.  Online convenience with local service to provide you with:

  • Quick turn-around-times
  • e-delivery and e-signing of documents
  • Our staff to walk with you through the process from application to closing

You can choose from a variety of mortgage options including:

  • FHA
  • VA
  • USDA/Rural
  • Low down payments
  • conventional mortgages
  • second homes
  • out-of-state homes

If you have questions about which option is best for you call 217-872-4103,  email HomeLoans@decu.com, or stop in our Dividend Branch.  Appointments are recommended but not required.


Mortgage Rates

These are our lowest rates available, and your rate could be higher. Give us a call when your ready to start the mortgage process!

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Pre-Qualify Calculator

Use this calculator to get a better idea of your home shopping price range.

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Apply Now!

This is where the fun begins! Get started here.

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If you've gotten the ball rolling, you can check the status right now.

Mortgage Forms

Forms are a necessary part of the process. We have the ones you may need here!

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Mortgage Payment Calculator

See if you can swing that monthly payment for the home of your dreams.

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Mortgage Application Documents Checklist

Let's face it, there's a lot of things to remember when it comes to getting a mortgage, and we want to help! Here's a checklist of the all the documents you'll need to move forward in the process.

Check out the list

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