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 |
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 |
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 |
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 |
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.