Union Plus

Union Plus is brought to you by Union Privilege, established by the AFL-CIO to provide consumer benefits to members and retirees of participating labor unions. Learn More
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Union Plus
Union Benefits Locator

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Save Big with Union Plus Mortgages for Union Families

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Over 200,000 union families* already benefit from these key Union Plus Mortgage features:

  • receive a $500 gift card after closing when you buy or refinance

    "Saving big at closing is like winning the lottery!"

    — MEGAN McCLAIN,
    HER FATHER'S UNION IS UA

  • GET EXTRA FINANCIAL PROTECTION when you need it most

    "If it wasn't for my union's support, I probably would have lost my house."

    — LEON SIERRA, IUOE LOCAL 428

Submit Your Story

* Active/retired union members, their parents and children are eligible

Buying a home

With historic low rates, NOW is a great time to buy! Plus union families save $495 on closing costs and are eligible for special hardship assistance.

Through Union Plus, union member first-time home buyers may earn a $500 Union Plus "Welcome to Your First Home Award".

Resources for home buyers

How the “Welcome to Your First Home Award” works:

Applying for the "Welcome to Your First Home Award" is easy.

Within 90 days after you close your mortgage loan, you’ll receive an application in the mail, a Union Membership Verification form and a pre-addressed envelope. To apply, you must return the following to Union Plus by the deadline shown on the application:

  1. The completed application form
  2. The Union Verification form, completed by you and a representative of your local union
  3. A short, written description (up to 500 words, typed or printed legibly) of your experience with the Union Plus Mortgage loan process and what owning your first home means to you.
Within 60 days after we get all information from you, a $500 check will be mailed to you. Only active/retired union members are eligible for First Home Awards. Family members of union members and agency fee payers are not eligible. 

Refinancing your mortgage

Choose the Union Plus program to refinance and union families will benefit from low rates, unique union protection and savings of $495 on closing costs.

Union Plus Mortgage Program through Chase Chase-logo

To learn more about the unique benefits available to union members,
their parents and children, call, click or come in.

Need More Info?

Either Select a Union

Or Find Union by Occupation

Phone 1-800-416-5786 Monday - Friday: 8 am to 10 pm ET
Saturdays: 9 am to 5 pm ET
All calls answered in the U.S.

Unique union assistance if you’re struggling with mortgage payments

Herbert Collins, LIUNA Local 5 member
Union Plus mortgage assistance recipient

When Union Plus mortgage-holders experience income loss due to disability, unemployment or strike/lock-out, they can turn to Union Plus mortgage assistance for help.

Check details and eligibility for these interest-free loans and mortgage grants here. The first $1,000 of the loan is a grant that does not need to be repaid.

Other resources for ALL union members:

Eligibility

Who is eligible?
  • All dues-paying labor union members
  • Union member retirees
  • Spouse and domestic partners of union members
  • Parents and children of union members
  • Working America (WA) members who have been WA members for at least one year.
  • Alliance for Retired American members who are retired union members are eligible.
Mortgage loans are available in the United States only and currently not available in Canada, Guam, Puerto Rico or Virgin Islands.
  • ONLY current/retired union members are eligible for the Welcome to Your First Home Award.
  • ONLY current/retired union members, their spouses, parents and children are eligible for the Union Plus mortgage assistance program.

Explore Union Plus

For Leaders

For Retirees

For Family Members

  • Not a union member? Find out how to join one.
  • Help if you do not know your union

    Help if you don’t know your union

    Your union membership dictates which Union Plus benefits you are eligible to use.

    1. What your national union’s name (not just your local number)? Scroll through the list we have to see if you recognize your union.
    2. What type of work do you do (select your occupation)?
    3. Do you have a union member card or union publication/letter that shows the name of your union? Find something with the name of your union, not just a local number.
    4. Is there a shop steward or work colleague you can ask what the name of your union is? You can even ask your human resources department to tell you the full name of your union?
    5. Do you have a Union Plus Credit Card? If so, the name and logo for your international union should appear on the front of the card.

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