Fixed Rate Mortgages

Type Rate Effective APR1, 3 Monthly Payment2
15 Yr 6.125% 6.488% $1701.25
20 Yr 6.375% 6.670% $1476.46
30 Yr 6.625% 6.854% $1280.62

Variable Mortgage Rates

Rates Effective December 1, 2024
to December 15, 2024
Type Rate Effective APR1 Margin Per Adj Cap Lifetime Cap Index Floor Monthly Payment2
100% Financing First Time HB 5y/6m ARM 7.500% 7.581% 2.50% 2.00% 5.00% 5.35% 3.00% $1398.43
100% Financing First Time HB 7y/6m ARM 7.625% 7.707% 2.50% 2.00% 5.00% 5.35% 3.00% $1415.59
100% Financing First Time HB 10y/6m ARM 7.750% 7.834% 2.50% 2.00% 5.00% 5.35% 3.00% $1432.82

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

Fixed Rate Mortgage loan rate assumptions:

  • 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