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Alert: As an essential service, SAFE remains open to serve our members. Transactions at all SAFE branches are limited to drive-throughs & ATMs only. Drive-through hours are extended to 8am-6pm on weekdays & 9am-1pm on Saturdays at branches with weekend hours. Learn More »
All rates are subject to change. APR = Annual Percentage Rate.
Disclaimer: Terms and Conditions subject to change without notice. Subject to member credit approval. Rate may vary based on individual creditworthiness.
Rates last updated on Mar 9, 2020.
| Max Term (Years) | Max LTV% | Max Loan | 7 yr. Rate | 10 yr. Rate | 15 yr. Rate | 20 yr. Rate | 25 yr. Rate | 30 yr. Rate | Min. Loan |
|---|---|---|---|---|---|---|---|---|---|
| 15 | Up to 100% | $510,400 | 3.000% | 3.250% | $25,000 | ||||
| 30 | Up to 94.99% | $510,400 | 3.500% | 3.500% | $25,000 | ||||
| 30 | 95% - 96.99% | $510,400 | 3.750% | 3.750% | $25,000 | ||||
| 30 | 97% - 100% | $510,400 | 4.000% | 4.000% | $25,000 |
First Time Homebuyers have not owned a home in the last three years.
| Max Term (Years) | Max LTV% | Max Loan | 7 yr. Rate | 10 yr. Rate | 15 yr. Rate | 20 yr. Rate | 25 yr. Rate | 30 yr. Rate | Min. Loan |
|---|---|---|---|---|---|---|---|---|---|
| 30 | Up to 94.99% | $510,400 | 3.500% | $25,000 | |||||
| 30 | 95% - 96.99% | $510,400 | 3.750% | $25,000 | |||||
| 30 | 97% - 100% | $510,400 | 4.000% | $25,000 |
| Max Term (Years) | Max LTV% | Max Loan | 7 yr. Rate | 10 yr. Rate | 15 yr. Rate | 20 yr. Rate | 25 yr. Rate | 30 yr. Rate | Min. Loan |
|---|---|---|---|---|---|---|---|---|---|
| 30 | Up to 94.99% | $510,400 | 4.000% | 4.000% | $25,000 | ||||
| 30 | 95% | $510,400 | 3.500% | 3.750% | 4.250% | 4.375% | $25,000 |
| Max Term (Years) | Max LTV% | Max Loan | 7 yr. Rate | 10 yr. Rate | 15 yr. Rate | 20 yr. Rate | 25 yr. Rate | 30 yr. Rate | Min. Loan |
|---|---|---|---|---|---|---|---|---|---|
| 25 | 75% | $510,400 | 3.125% | 3.250% | 3.500% | 3.750% | $5,000 |
| Max Term (Years) | Max LTV% | Max Loan | 7 yr. Rate | 10 yr. Rate | 15 yr. Rate | 20 yr. Rate | 25 yr. Rate | 30 yr. Rate | Min. Loan |
|---|---|---|---|---|---|---|---|---|---|
| 30 | Max. loan is lesser of purchase price or 100% of appraised value | $510,400 | 3.375% | $25,000 |
| Max Term (Years) | Max LTV% | Max Loan | 7 yr. Rate | 10 yr. Rate | 15 yr. Rate | 20 yr. Rate | 25 yr. Rate | 30 yr. Rate | Min. Loan |
|---|---|---|---|---|---|---|---|---|---|
| 30 | 80% | $750,000 | 3.375% | 4.125% | 4.250% | 4.750% | $510,401 |
| Max Term (Years) | Max LTV% | Max Loan | 7 yr. Rate | 10 yr. Rate | 15 yr. Rate | 20 yr. Rate | 25 yr. Rate | 30 yr. Rate | Min. Loan |
|---|---|---|---|---|---|---|---|---|---|
| 15 | 80% | $510,400 | 6.750% | $25,000 |
| Max Term (Years) | Max LTV% | Max Loan | 7 yr. Rate | 10 yr. Rate | 15 yr. Rate | 20 yr. Rate | 25 yr. Rate | 30 yr. Rate | Min. Loan |
|---|---|---|---|---|---|---|---|---|---|
| 10 | 80% | $100,000 | 7.750% | N/A | $5,000 | ||||
| 15 | 80% | $100,000 | N/A | 8.750% | $5,000 |
| Max Term (Years) | Max LTV% | Max Loan | 7 yr. Rate | 10 yr. Rate | 15 yr. Rate | 20 yr. Rate | 25 yr. Rate | 30 yr. Rate | Min. Loan |
|---|---|---|---|---|---|---|---|---|---|
| 15 | 80% | $510,400 | 6.500% | $25,000 |
| Max Term (Years) | Max LTV% | Max Loan | 7 yr. Rate | 10 yr. Rate | 15 yr. Rate | 20 yr. Rate | 25 yr. Rate | 30 yr. Rate | Min. Loan |
|---|---|---|---|---|---|---|---|---|---|
| 10 | Advance the lower of: 80% or appraised value or purchased price | 10 acre maximum | 8.250% | $2,000 |
Home Equity Line of Credit interest rates are variable and equal to the current prime rate as published by the Wall Street Journal. HELOC has a 10 year initial draw.
| Max Term (Years) | Max LTV% | Max Loan | 7 yr. Rate | 10 yr. Rate | 15 yr. Rate | 20 yr. Rate | 25 yr. Rate | 30 yr. Rate | Min. Loan |
|---|---|---|---|---|---|---|---|---|---|
| Open-End | 80% | $200,000 | 4.750% | $5,000 |
| Max Term (Years) | Max LTV% | Max Loan | 7 yr. Rate | 10 yr. Rate | 15 yr. Rate | 20 yr. Rate | 25 yr. Rate | 30 yr. Rate | Min. Loan |
|---|---|---|---|---|---|---|---|---|---|
| 15 | 80% | $200,000 | 6.950% | 7.950% | $5,000 |
*Offer is subject to credit union membership, eligibility and verification of information provided on the application. Some restrictions apply. All loans subject to credit approval. Annual Percentage Rates (APR) are fixed and not subject to increase after consummation. An example of a typical 30-year fixed rate mortgage is as follows: A loan amount of $250,000 with an APR of 4.375% would result in a monthly principal and interest payment of $1,248.21. The stated monthly payment amount does not include taxes or insurance costs, and therefore, the payment obligation will be greater. SAFE charges a $950.00 origination fee for processing and underwriting. Federal Housing Administration (FHA) and other government loans are not eligible for the promotion. Cash back to borrowers is not allowed. Terms and conditions are subject to change at any time without prior notice.
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