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Home Rates

Loan Rates as of October 1, 2026

Fixed rate (purchase & refinance)
Type of Loan Rate as low as Terms
First Mortgage 6.00% APR* up to 10 years
First Mortgage 6.25% APR* up to 20 years
First Mortgage 6.50% APR* up to 30 years
Second Mortgage 8.00% APR* up tp 10 years
Second Mortgage 8.25% APR*

up to 20 years

Apply online: purchase & refinance

Fixed Rate Home Equity
Type of Loan Rate as low as Terms
First Mortgage 6.75% APR* up to 10 years
Second Mortgage 8.25% APR* up to 10 years

apply online: Home Equity

Home equity line of credit (HELOC)
Type of Loan Rate as low as Terms
5/15 ARM First Mortgage 6.75% APR* up to 20 years
5/15 ARM Second Mortgage 7.25% APR* up to 20 years
10/10 ARM First Mortgage 6.75% APR* up to 20 years
10/10 ARM Second Mortgage 7.25% APR* up to 20 years
10/20 ARM First Mortgage 7.50% APR* up to 30 years

apply online: heloc 

Fixed Rate Vacant Property
Type of Loan Rate as low as Terms
First Mortgage 7.75% APR* up to 15 years

apply online: vacant property

*APR = Annual Percentage Rate. Index from Wall Street Journal Prime Rate + Margin = APR. Rates and payment options based on creditworthiness, term, and other factors. Rates may change frequently. Contact the Credit Union for full details and disclosures. HELOC rates are variable. The initial rate is locked for the first two years and may adjust annually thereafter. 

NMLS#: 403632

Loan rate effective date: October 1, 2026.