First Mortgage Loans**

TermAPR* As Low As
15 Year Fixed6.324% APR*
20 Year Fixed6.661% APR*
30 Year Fixed6.874% APR*
30 Year Fixed No PMI, with 15-year balloon6.395% APR*
VAContact Credit Union for Current Rates
FHAContact Credit Union for Current Rates
USDAContact Credit Union for Current Rates
Rates current as of: 12/23/2024
*APR is Annual Percentage Rates. APRs are estimated on a $400,000 loan amount with an 80% loan to value. Rates are subject to change based on market conditions and without notice. Actual rates, fees, and APRs may vary based on credit scores and other factors. Down payment varies based on loan type selected. Please contact the credit union for current rates.
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Mini-Mortgage (NO CLOSING COSTS)

TermAPR
5 Years5.24% APR*
7 Years5.74% APR*
10 Years6.24% APR*
15 Years6.74% APR*
*Rates based on 80% LTV or less, LTV's greater than 80% may require an adjustment to the above rates.
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Fixed Rate Home Equity Loan**(NO CLOSING COSTS)

TermAPR
5 Years6.74% APR*
7 Years6.99% APR*
10 Years7.24% APR*
12 Years7.49% APR*
15 Years7.74% APR*
*Rates based on 80% LTV or less, LTV's greater than 80% may require an adjustment to the above rates.
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Variable Rate Home Equity Line of Credit** (HELOC)

TermAPR
15-Year (interest only or standard repayment)
15-year maturity with a 5-year Draw period and a 10-year Payback term
Up to 85% LTV		5.99% 6-month Intro Rate
*Rate changes to Prime + 0.00%
(VAR APR)
20-Year
20-year maturity with a 10-year Draw Period and 10-year Payback term
Up to 85% LTV		5.99% 6-month Intro Rate
*Rate changes to Prime + 0.25%
(VAR APR)
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*APR=Annual Percentage Rate. VAR=Variable. LTV=Loan to Value. After the initial fixed rate period, your APR will convert to a variable rate and vary with the Prime Rate as published in the Wall Street Journal. During the variable rate period, the interest rate will not vary above 18% APR nor below 3.5% APR. Rates, terms, and conditions are subject to change without notice and may increase based on borrower's creditworthiness.
**Minimum loan amount is $25,000. Property insurance is required. Consult your tax advisor regarding the deductibility of interest.
Membership and eligibility are required. All loans are subject to underwriting criteria, not every application will qualify. Some restrictions may apply. Equal Housing Opportunity. NMLS #415976