Home Loan Rates

Home Equity Line of Credit

20 Year Term - Variable

as low as 3.500% APR

Construction Loan

Fixed

3.875% (5.836% APR)

One-Time Close Construction Loan

7/1 ARM

as low as 3.750% (4.148% APR)

Improved Building Lot

Fixed

4.490% (4.794% APR)

Rates and terms are accurate as of January 27, 2021 and are subject to change. The rates listed above are our best rates. Your rate may be higher depending on underwriting criteria. Payment examples based on 50% loan-to-value, loan amount of $100,000 and interest payments. 5-year mortgage at 3.125% fixed Annual Percentage Rate (APR) will have a monthly payment of $1803. 7-year mortgage at 3.49% APR fixed will have a monthly payment of $1,344. 10-year mortgage at 3.74% APR fixed will have a monthly payment of $1,001. No fees or closing costs on loans under $200,000. Payment examples based on 80% loan-to-value, loan amount of $100,000 and interest payments. 12-year mortgage at 4.146% APR will have a monthly payment of $883. 15-year mortgage at 4.369% APR will have a monthly payment of $759. 20-year mortgage at 4.759% APR will have a monthly payment of $647. Other conditions and restrictions may apply. Annual Percentage Rates (APR) for 12, 15 and 20 year mortgages are calculated based on a $100,000 loan with a 0.50% origination fee. Rates subject to change without notice. 5/1 ARM No MI Rate is 3.875%. Annual Percentage Rate (APR) as low as 4.007% with a monthly principle and interest payment of $940.47. Rate and payment example based on loan amount of $200K, 680+ FICO, and 80% loan-to-value. As of April 1, 2020 Prime Rate is 3.25% APR, however, your rate will not be less than 3.5% due to the credit union’s established floor minimum. APRs for Home equity lines of credit are based on prime rate plus a margin and are determined by your credit. Construction Rate is 3.875% Fixed with an APR as low as 5.836%. Rate example based on loan amount of $350K, 660+ FICO, and 90% loan-to-value. One-Time Close Construction Loan 7/1 ARM: One-Time Close Construction long-term loan is a 30-Year 7/1 Adjustable Rate Mortgage (ARM). Stated rate is as low as 3.750%, Annual Percentage Rate (APR) 4.148% Rate example based on loan amount of $350K, 680+ FICO, and 80% loan-to-value. Rate for construction period of loan is 3.750% Fixed. Lot Loan Rate is 4.49% Fixed with an APR as low as 4.794%. Rate example based on loan amount of $100K, 680+ FICO, and 80% loan-to-value.