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 21, 2020.

First Mortgage Primary Residence

Max Term (Years) Max LTV% Max Loan 7 yr. APR* 10 yr. APR* 15 yr. APR* 20 yr. APR* 25 yr. APR* 30 yr. APR* 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 HOMEBUYER PLUS PROGRAM

First Time Homebuyers have not owned a home in the last three years.

Max Term (Years) Max LTV% Max Loan 7 yr. APR* 10 yr. APR* 15 yr. APR* 20 yr. APR* 25 yr. APR* 30 yr. APR* 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
Construction to Permanent

Max Term (Years) Max LTV% Max Loan 7 yr. APR* 10 yr. APR* 15 yr. APR* 20 yr. APR* 25 yr. APR* 30 yr. APR* 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
Freedom Mortgages

Max Term (Years) Max LTV% Max Loan 7 yr. APR* 10 yr. APR* 15 yr. APR* 20 yr. APR* 25 yr. APR* 30 yr. APR* Min. Loan
25 75% $510,400 3.125% 3.250% 3.500% 3.750% $5,000
Adjustable Rate Mortgages

Max Term (Years) Max LTV% Max Loan 7 yr. APR* 10 yr. APR* 15 yr. APR* 20 yr. APR* 25 yr. APR* 30 yr. APR* Min. Loan
30 Max. loan is lesser of purchase price or 100% of appraised value $510,400 3.375% $25,000
Jumbo Mortgage: First Mortgage

Max Term (Years) Max LTV% Max Loan 7 yr. APR* 10 yr. APR* 15 yr. APR* 20 yr. APR* 25 yr. APR* 30 yr. APR* Min. Loan
30 80% $750,000 3.375% 4.125% 4.250% 4.750% $510,401
Investment Property

Max Term (Years) Max LTV% Max Loan 7 yr. APR* 10 yr. APR* 15 yr. APR* 20 yr. APR* 25 yr. APR* 30 yr. APR* Min. Loan
15 80% $510,400 6.750% $25,000
Non-Conforming First Mortgage

Max Term (Years) Max LTV% Max Loan 7 yr. APR* 10 yr. APR* 15 yr. APR* 20 yr. APR* 25 yr. APR* 30 yr. APR* Min. Loan
10 80% $100,000 7.750% N/A $5,000
15 80% $100,000 N/A 8.750% $5,000
Second Home

Max Term (Years) Max LTV% Max Loan 7 yr. APR* 10 yr. APR* 15 yr. APR* 20 yr. APR* 25 yr. APR* 30 yr. APR* Min. Loan
15 80% $510,400 6.500% $25,000
Residential Lots & Acreage

Max Term (Years) Max LTV% Max Loan 7 yr. APR* 10 yr. APR* 15 yr. APR* 20 yr. APR* 25 yr. APR* 30 yr. APR* 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 (HELOC)

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. APR* 10 yr. APR* 15 yr. APR* 20 yr. APR* 25 yr. APR* 30 yr. APR* Min. Loan
Open-End 80% $200,000 4.500% $5,000
Home Equity Loan

Max Term (Years) Max LTV% Max Loan 7 yr. APR* 10 yr. APR* 15 yr. APR* 20 yr. APR* 25 yr. APR* 30 yr. APR* Min. Loan
15 80% $200,000 6.950% 7.950% $5,000

*APR= Annual Percentage Rate. Loans are subject to credit union membership, eligibility and verification of information provided on the application. Some restrictions apply. All loans subject to credit approval. For fixed-rate mortgages, Annual Percentage Rates (APRs) are not subject to increase after consummation. An example of a typical 30-year fixed rate mortgage with a down payment of 20% is as follows: a loan amount of $250,000 with a note rate of 3.500% with an APR of 3.531% would result in a monthly principal and interest payment of $1,122.61. The stated monthly payment amount does not include taxes or insurance costs and, therefore, the payment obligation will be greater. Terms and conditions are subject to change at any time without prior notice.