Rates Effective February 1st, 2025
Fixed Rate Mortgages
Rates are subject to change daily.
| Type | Rate | Effective APR1, 3 | Monthly Payment2 |
|---|---|---|---|
| 15 Yr | 6.375% | 6.744% | $1728.50 |
| 20 Yr | 6.500% | 6.798% | $1491.15 |
| 30 Yr | 6.875% | 7.052% | $1313.86 |
Adjustable Rate Mortgage
| Type | Rate | Effective APR1 | Margin | Per Adj Cap | Lifetime Cap | Index | Floor | Monthly Payment2 |
|---|---|---|---|---|---|---|---|---|
| 7y/6m ARM | 6.000% | 6.047% | 2.75% | 2.00% | 5.00% | 4.34% | 3.00% | $1199.10 |
| 10y/6m ARM | 6.250% | 6.315% | 2.75% | 2.00% | 5.00% | 4.34% | 3.00% | $1231.43 |
First Time Home Buyers Mortgage
100% FINANCING-First Time Home Buyers Only
| Type | Rate | Effective APR1 | Margin | Per Adj Cap | Lifetime Cap | Index | Floor | Monthly Payment2 |
|---|---|---|---|---|---|---|---|---|
| 100% Financing First Time HB 7y/6m ARM | 6.500% | 6.568% | 2.75% | 2.00% | 5.00% | 4.34% | 3.00% | $1264.14 |
Want to take advantage of these great rates?
Apply online, stop by your local office, or call 800.242.2120. You can also explore purchase and refinancing options here.
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Footnotes
Footnote 1
Annual Percentage Rate (APR) is based on the final loan amount and applicable finance charges.
Footnote 2
Monthly payment examples assume a loan amount of $200,000. All adjustable rates quoted assume a 30 year amortization.
Footnote 3
Adjustable and Fixed Rate Loan rate assumptions (excluding First Time Home Buyers products):
- Loan Amount: $200,000.00
- Property Value: $250,000.00
- Existing Lien: 0
- Credit Score: 740
- Not a Manufactured Home
- Single Family Residence, 1 Unit, Detached
- Primary Residence
Disclosures
- Credit Union Membership is required with $1 minimum deposit.
- All rates are subject to change without notice.
- Residential mortgages are available for 1 - 2, owner occupied family dwellings.
- Private Mortgage Insurance (PMI) may be required.
- Homeowners insurance is required on all residential loans. Flood Insurance may be required.
- The rate indicated for adjustable rate mortgages is the initial rate and subject to increase. For example, the 5/6 ARM; the initial rate is fixed for five years and may adjust every 6 months thereafter. Adjustable rates have a lifetime cap of 5% above the initial rate offered, a floor rate of 3% and a per adjustment cap of 2%.
- Other terms and conditions may apply. Please contact the Credit Union for details
