Mortgages

Indicated rates are available to qualified Members. NMLS#685526

Home Equity Line of Credit (HELOC)

  •  Rates Effective 07-24-2017
Loan Type Rate Annual Fee1 Variable Index Closing Cost2 Advance Policy APR3 Maximum Loan Amount Alert Me
HELOC Prime + 0.500% $50 / Waived Prime Waived Up to 70.00% LTV 4.750% $500,000
HELOC Prime + 0.750% $50 / Waived Prime Waived 70.01-80.00% LTV 5.000% $500,000
HELOC Prime + 1.250% $50 / Waived Prime Waived 80.01-90.00% LTV 5.500% $125,000*
  • 1Annual fee of $50, waived with a minimum of $10,000 outstanding balance for 30 days during the year.
  • 2HELOC APR is based on Prime Rate of 4.25% + the margin rate stated above. Other rates may apply based on credit. Annual cap of 5% over fully indexed rate. Lifetime cap of 15%. Closing costs for the HELOC are currently waived (subject to change).
  • 3APR = Annual Percentage Rate. HELOC APR is calculated on $100,000 loan amount.

First Mortgage: Fixed Rate Programs

  •  Rates Effective 07-21-2017
Conforming1 Fixed Rate (starting at) Points APR2 Payment/$1,0003 Alert Me
30 YR Fixed 4.000% -0.250% 4.062% $4.77
30 YR Fixed 4.125% -1.000% 4.125% $4.85
20 YR Fixed 3.625% 0.000% 3.739% $5.86
20 YR Fixed 3.750% -0.500% 3.807% $5.93
15 YR Fixed 3.250% -0.250% 3.360% $7.03
15 YR Fixed 3.375% -0.750% 3.412% $7.09
10 YR Fixed 3.125% 0.000% 3.336% $9.71
10 YR Fixed 3.250% -0.750% 3.302% $9.77
Conforming High-Balance Area4 Alert Me
30 YR Fixed 4.125% -0.125% 4.198% $4.85
30 YR Fixed 4.250% -0.750% 4.272% $4.92
15 YR Fixed 3.375% 0.000% 3.521% $7.09
15 YR Fixed 3.500% -0.500% 3.573% $7.15
Non-Owner Occupied (Investor)5 Alert Me
30 YR Fixed 4.375% 0.500% 4.657% $4.99
30 YR Fixed 4.500% 0.000% 4.739% $5.07
15 YR Fixed 3.625% 0.750% 4.149% $7.21
15 YR Fixed 3.750% 0.500% 4.237% $7.27
Rates shown not available in all states. Rates are representative and rounded to nearest point. Actual rates may vary. Assumptions and monthly payments. Fixed-Rate Loans: -Conforming loan amounts vary and depend on property location. -Maximum Loan Amount: Up to 80% combined loan-to-value. Jumbo Loans: -Jumbo Loan amounts vary and depend on property location. -Maximum Loan Amount: up to combined loan to value.
  • 1Conforming Loans up to $417,000. Primary Residence and Second Homes only.
  • 2APR=Annual Percentage Rates. The rates offered are examples, and not intended to be inclusive or a commitment to the pricing for which you may qualify. The loan and accompanying interest rates, points, and APRs may differ and be adjusted based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, and loan purpose. All loans are subject to a qualifying credit score and approval. Interest rates, points, and APRs are subject to change without notice.
  • 3Estimated payment per $1,000 borrowed includes principal and interest only. Taxes & insurance will increase your payment. Loan costs include points, loan origination fee, title insurance, escrow, recording, processing fee and impounds for taxes & insurance (if applicable). The Credit Union will send Members a Loan Estimate detailing these costs within 72 hours of receiving a completed loan application. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Additional loan programs are available; ask for details. Other fees and conditions may apply.
  • 4Conforming High-Balance Area Loans $417,001-$625,500)
  • 5Investor Loans up to $417,000.

First Mortgage: Adjustable Rate Mortgages (ARM)

  •  Rates Effective 07-21-2017
Conforming1 Start Rate Points APR2 # of Months Rate Estimated Payment/$1,0003 Alert Me
3/1 ARM4 3.125% 0.000% 3.515% 36 / 324 3.125% / 3.500% $4.28 / $4.47
5/1 ARM4 3.250% 0.000% 3.509% 60 / 300 3.250% / 3.500% $4.35 / $4.47
5/5 ARM4 3.250% 0.000% 3.452% 60 / 300 3.250% / 3.420% $4.35 / $4.43
7/1 ARM4 3.125% 0.000% 3.435% 84 / 276 3.125% / 3.500% $4.28 / $4.45
10/1 ARM4 3.500% 0.000% 3.580% 120 / 240 3.500% / 3.500% $4.49 / $4.49
Conforming High-Balance Area5 Alert Me
3/1 ARM4 3.125% 0.000% 3.515% 36 / 324 3.125% / 3.500% $4.28 / $4.47
5/1 ARM4 3.250% 0.000% 3.509% 60 / 300 3.250% / 3.500% $4.35 / $4.47
5/5 ARM4 3.250% 0.000% 3.452% 60 / 300 3.250% / 3.420% $4.35 / $4.43
7/1 ARM4 3.125% 0.000% 3.435% 84 / 276 3.125% / 3.500% $4.28 / $4.45
10/1 ARM4 3.500% 0.000% 3.580% 120 / 240 3.500% / 3.500% $4.49 / $4.49
  • 1Conforming Loans up to $417,000. Primary Residence and Second Homes only.
  • 2APR=Annual Percentage Rates. The rates offered are examples, and not intended to be inclusive or a commitment to the pricing for which you may qualify. The loan and accompanying interest rates, points, and APRs may differ and be adjusted based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, and loan purpose. All loans are subject to a qualifying credit score and approval. Interest rates, points, and APRs are subject to change without notice.
  • 3Estimated payment per $1,000 borrowed includes principal and interest only. Taxes & insurance will increase your payment. Loan costs include points, loan origination fee, title insurance, escrow, recording, processing fee and impounds for taxes & insurance (if applicable). The Credit Union will send Members a Loan Estimate detailing these costs within 72 hours of receiving a completed loan application. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Additional loan programs are available; ask for details. Other fees and conditions may apply.
  • 4ARM=Adjustable Rate Mortgage. The loan and accompanying interest rates, points, and APRs may differ and be adjusted based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, and loan purpose. Rates are subject to increase or decrease at the end of the fixed rate period, may adjust annually, and are based on an index plus a margin. The current index is the 1-Year London Interbank Offered Rate (LIBOR) as published in The Wall Street Journal. The 5 year Constant Maturity Treasury (CMT) is used as the index for the 5/5 ARM product. P&I payment is subject to change after first interest adjustment.
  • 5Conforming High-Balance Area Loans $417,001-$625,500)