Mortgage Loan Rates

Rates Effective 5/4/2020 12:00:00 AM

  • HELOC A
    2.99% 12-Month Intro APR
    Prime + 0.250% Rate
    $50 / Waived Annual Fee1
    Prime Variable Index
    Waived Closing Cost2
    Up to 70.00% LTV Advance Policy
    3.50% APR3
    $500,000 Maximum Loan Amount
  • HELOC B
    2.99% 12-Month Intro APR
    Prime + 0.500% Rate
    $50 / Waived Annual Fee1
    Prime Variable Index
    Waived Closing Cost2
    70.01-80.00% LTV Advance Policy
    3.75% APR3
    $500,000 Maximum Loan Amount
  • HELOC C
    2.99% 12-Month Intro APR
    Prime + 1.00% Rate
    $50 / Waived Annual Fee1
    Prime Variable Index
    Waived Closing Cost2
    80.01-90.00% LTV Advance Policy
    4.25% APR3
    $125,000 Maximum Loan Amount

Non-Owner Occupied add 1.25% with a max LTV of 70%.

1Annual fee of $50, waived with a minimum of $10,000 outstanding balance for 30 days during the year.

2HELOC Variable APR is based on Prime Rate of 5.25% + 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.

Rates Effective 5/27/2020 12:00:00 AM

  • 30 Yr Fixed
    3.250% Rate
    0.000% Points
    3.330% APR1
    $4.35 Payment/$1,0002
  • 30 Yr Fixed
    3.380% Rate
    -0.500% Points
    3.420% APR1
    $4.42 Payment/$1,0002
  • 20 Yr Fixed
    3.130% Rate
    0.000% Points
    3.240% APR1
    $5.61 Payment/$1,0002
  • 20 Yr Fixed
    3.250% Rate
    0.000% Points
    3.360% APR1
    $5.67 Payment/$1,0002
  • 15 Yr Fixed
    2.880% Rate
    0.000% Points
    3.020% APR1
    $6.85 Payment/$1,0002
  • 15 Yr Fixed
    3.000% Rate
    -0.375% Points
    3.090% APR1
    $6.91 Payment/$1,0002
  • 10 Yr Fixed
    2.880% Rate
    0.000% Points
    3.090% APR1
    $9.60 Payment/$1,0002
  • 10 Yr Fixed
    3.000% Rate
    -0.375% Points
    3.130% APR1
    $9.66 Payment/$1,0002

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.

Conforming Loans up to $484,350. Primary Residence and Second Homes only.

1APR=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.

2Estimated payment per $1,000 borrowed calculated on $200,000 for conforming loans, $500,000 for Conforming High-Balance loans and $750,000 for jumbo loans. Loan amount and 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.

Rates Effective 5/27/2020 12:00:00 AM

  • 30 Yr Fixed
    3.250% Rate
    0.000% Points
    3.280% APR1
    $4.35 Payment/$1,0002
  • 30 Yr Fixed
    3.380% Rate
    -0.500% Points
    3.370% APR1
    $4.42 Payment/$1,0002
  • 15 Yr Fixed
    2.880% Rate
    0.000% Points
    3.020% APR1
    $6.85 Payment/$1,0002
  • 15 Yr Fixed
    3.000% Rate
    -0.375% Points
    3.090% APR1
    $6.91 Payment/$1,0002
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.

Conforming High-Balance Loans $484,351-$726,525. Primary Residence and Second Homes only.


1APR=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.

2Estimated payment per $1,000 borrowed calculated on $200,000 for conforming loans, $500,000 for Conforming High-Balance loans and $750,000 for jumbo loans. Loan amount and 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.

Rates Effective 5/27/2020 12:00:00 AM

  • 30 Yr Fixed
    3.500% Rate
    1.250% Points
    3.830% APR1
    $4.49 Payment/$1,0002
  • 30 Yr Fixed
    3.630% Rate
    1.000% Points
    3.940% APR1
    $4.56 Payment/$1,0002
  • 15 Yr Fixed
    3.250% Rate
    1.375% Points
    3.860% APR1
    $7.03 Payment/$1,0002
  • 15 Yr Fixed
    3.380% Rate
    1.125% Points
    3.950% APR1
    $7.09 Payment/$1,0002
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.

Non-Owner Occupied (Investor) Loans up to $484,350.


1APR=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.

2Estimated payment per $1,000 borrowed calculated on $200,000 for conforming loans, $500,000 for Conforming High-Balance loans and $750,000 for jumbo loans. Loan amount and 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.

Rates Effective 5/27/2020 12:00:00 AM

  • 30 Yr Fixed
    3.250% Rate
    0.000% Points
    3.330% APR1
    $4.35 Payment/$1,0002
  • 30 Yr Fixed
    3.380% Rate
    -0.500% Points
    3.420% APR1
    $4.42 Payment/$1,0002
  • 20 Yr Fixed
    3.130% Rate
    0.000% Points
    3.240% APR1
    $5.61 Payment/$1,0002
  • 20 Yr Fixed
    3.250% Rate
    0.000% Points
    3.360% APR1
    $5.67 Payment/$1,0002
  • 15 Yr Fixed
    2.880% Rate
    0.000% Points
    3.020% APR1
    $6.85 Payment/$1,0002
  • 15 Yr Fixed
    3.000% Rate
    -0.375% Points
    3.090% APR1
    $6.91 Payment/$1,0002
  • 10 Yr Fixed
    2.880% Rate
    0.000% Points
    3.090% APR1
    $9.60 Payment/$1,0002
  • 10 Yr Fixed
    3.000% Rate
    -0.375% Points
    3.130% APR1
    $9.66 Payment/$1,0002
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.

Jumbo Loans over 726,525. Primary Residence and Second Homes only.


1APR=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.

2Estimated payment per $1,000 borrowed calculated on $200,000 for conforming loans, $500,000 for Conforming High-Balance loans and $750,000 for jumbo loans. Loan amount and 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.
 

Rates Effective 5/27/2020 12:00:00 AM

  • 3/1 ARM
    2.500% Start Rate
    0.000% Points
    2.870% APR1
    36 / 324 Months
    2.500% / 2.930% Rate
    $3.95 / $4.16 Payment/$1,0002
  • 5/1 ARM
    2.500% Start Rate
    0.000% Points
    2.830% APR1
    60 / 300 Months
    2.500% / 2.930% Rate
    $3.95 / $4.14 Payment/$1,0002
  • 5/5 ARM
    2.630% Start Rate
    0.000% Points
    2.700% APR1
    60 / 300 Months
    2.630% / 2.600% Rate
    $4.02 / $4.01 Payment/$1,0002
  • 7/1 ARM
    2.750% Start Rate
    0.000% Points
    2.900% APR1
    84 / 276 Months
    2.750% / 2.930% Rate
    $4.08 / $4.16 Payment/$1,0002
  • 10/1 ARM
    2.880% Start Rate
    0.000% Points
    2.950% APR1
    120 / 240 Months
    2.880% / 2.930% Rate
    $4.15 / $4.17 Payment/$1,0002
Conforming Loans up to $484,350. Primary Residence and Second Homes only. 

ARM=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.

1APR=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.

2Estimated payment per $1,000 borrowed calculated on $200,000 for conforming loans, $500,000 for Conforming High-Balance loans and $750,000 for jumbo loans. Loan amount and 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.

Rates Effective 5/27/2020 12:00:00 AM

  • 3/1 ARM
    2.500% Start Rate
    0.000% Points
    2.830% APR1
    36 / 324 Months
    2.500% / 2.930% Rate
    $3.95 / $4.16 Payment/$1,0002
  • 5/1 ARM
    2.500% Start Rate
    0.000% Points
    2.780% APR1
    60 / 300 Months
    2.500% / 2.930% Rate
    $3.95 / $4.14 Payment/$1,0002
  • 5/5 ARM
    2.630% Start Rate
    0.000% Points
    2.660% APR1
    60 / 300 Months
    2.630% / 2.600% Rate
    $4.02 / $4.01 Payment/$1,0002
  • 7/1 ARM
    2.750% Start Rate
    0.000% Points
    2.850% APR1
    84 / 276 Months
    2.750% / 2.930% Rate
    $4.08 / $4.16 Payment/$1,0002
  • 10/1 ARM
    2.880% Start Rate
    0.000% Points
    2.910% APR1
    120 / 240 Months
    2.880% / 2.930% Rate
    $4.15 / $4.17 Payment/$1,0002
Conforming High-Balance Loans $484,351-$726,525. Primary Residence and Second Homes only. 

ARM=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.

1APR=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.

2Estimated payment per $1,000 borrowed calculated on $200,000 for conforming loans, $500,000 for Conforming High-Balance loans and $750,000 for jumbo loans. Loan amount and 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.