Available real estate loan and mortgage rates are listed below.

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 Apr 18, 2017.

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First Mortgage with 1% Origination Fee Primary Residence
Max Term (Years) Max LTV% Max Loan 10 yr. Rate 15 yr. Rate 20 yr. Rate Max Rate Min. Loan
30 $95.01% - 97% $424,100 4.125% 4.250% 4.625% 5.000% $25,000
30 80% $424,100 3.125% 3.250% 3.625% 4.000% $25,000
30 80.01% - 95% $424,100 3.625% 3.750% 4.125% 4.500% $25,000
First Mortgage with No Origination Fee Primary Residence
Max Term (Years) Max LTV% Max Loan 10 yr. Rate 15 yr. Rate 20 yr. Rate Max Rate Min. Loan
30 80% $424,100 3.625% 3.750% 4.125% 4.500% $25,000
30 80.01%-95% $424,100 4.125% 4.250% 4.625% 5.00% $25,000
30 95.01%-97% $424,100 4.625% 4.750% 5.125% 5.500% $25,000
Jumbo Mortgage: First Mortgage with 1% Origination Fee Primary Residence
Max Term (Years) Max LTV% Max Loan 10 yr. Rate 15 yr. Rate 20 yr. Rate Max Rate Min. Loan
30 80% $750,000 3.875% 4.625% 4.75% 5.375% $424,001
Construction to Permanent with 1% Origination Fee Primary Residence
Max Term (Years) Max LTV% Max Loan 10 yr. Rate 15 yr. Rate 20 yr. Rate Max Rate Min. Loan
30 80% $424,100 3.625% 4.125% 4.375% 4.750% $25,000
30 80.01%-95% $424,100 4.125% 4.625% 4.875% 5.250% $25,000
Non Conforming First Mortgage
Max Term (Years) Max LTV% Max Loan 10 yr. Rate 15 yr. Rate 20 yr. Rate Max Rate Min. Loan
10 80% $100,000 7.95% N/A N/A N/A $5,000
15 80% $100,000 N/A 8.95% N/A N/A $5,000
Investment Property with 1 Origination Point and 1 Discount Point
Max Term (Years) Max LTV% Max Loan 10 yr. Rate 15 yr. Rate 20 yr. Rate Max Rate Min. Loan
15 80% $424,100 N/A 7.00% N/A N/A $25,000
Adjustable Rate Mortgages - 1% Origination Fee Plus 1 Point
Max Term (Years) Max LTV% Max Loan 10 yr. Rate 15 yr. Rate 20 yr. Rate Max Rate Min. Loan
30 Max. loan is lesser of purchase price or 80% of appraised value $424,100 N/A N/A N/A Index +2.50% $25,000
15 Max. loan is lesser of purchase price or 80% of appraised value $424,100 N/A Index + 2.75% N/A N/A $25,000
Second Home
Max Term (Years) Max LTV% Max Loan 10 yr. Rate 15 yr. Rate 20 yr. Rate Max Rate Min. Loan
15 80% $424,100 N/A 6.75% N/A N/A $25,000
Residential Lots and Acreage
Max Term (Years) Max LTV% Max Loan 10 yr. Rate 15 yr. Rate 20 yr. Rate Max Rate Min. Loan
10 Advance the lower of: 80% or appraised value or purchased price 10 acre maximum 8.50% N/A N/A N/A $2,000
Home Equity Line of Credit (HELOC)
Max Term (Years) Max LTV% Max Loan 10 yr. Rate 15 yr. Rate 20 yr. Rate Max Rate Min. Loan
Open-End 80% $200,000 4.5% N/A N/A 18% $5,000 minimum advance
Freedom 7 Mortgage
Max Term (Years) Max LTV% Max Loan 10 yr. Rate 15 yr. Rate 20 yr. Rate Max Rate Min. Loan
7 70% $424,100 N/A N/A N/A 3.000% $5,000
Freedom 10 Mortgage
Max Term (Years) Max LTV% Max Loan 10 yr. Rate 15 yr. Rate 20 yr. Rate Max Rate Min. Loan
10 75% $424,100 3.375% N/A N/A N/A $5,000
Freedom 15 Mortgage
Max Term (Years) Max LTV% Max Loan 10 yr. Rate 15 yr. Rate 20 yr. Rate Max Rate Min. Loan
15 75% $424,100 N/A 3.500% N/A N/A $5,000
Dynasty 20 Mortgage
Max Term (Years) Max LTV% Max Loan 10 yr. Rate 15 yr. Rate 20 yr. Rate Max Rate Min. Loan
20 75% $424,100 N/A N/A 4.250% N/A $5,000
Dynasty 25 Mortgage
Max Term (Years) Max LTV% Max Loan 10 yr. Rate 15 yr. Rate 20 yr. Rate Max Rate Min. Loan
25 75% $424,100 N/A N/A N/A 4.500% $5,000
Home Equity Loan
Max Term (Years) Max LTV% Max Loan 10 yr. Rate 15 yr. Rate 20 yr. Rate Max Rate Min. Loan
15 80% $200,000 6.950% 7.950% N/A N/A $5,000