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Mortgage Rates
Affordable financing that lets you house shop with confidence.
Fixed-Rate Mortgages
Effective Date: Wednesday, October 8, 2025
| Term1 | Interest Rate2 | Points2 | APR3 | Payment per Thousand4 | # of Payments |
|---|---|---|---|---|---|
| 10 years | 6.375% | 0 | 6.886% | $11.29 | 120 |
| 15 years | 6.000% | 0 | 6.354% | $8.44 | 180 |
| 20 years | 7.000% | 0 | 7.304% | $7.75 | 240 |
| 30 years | 7.125% | 0 | 7.361% | $6.74 | 360 |
1The 10-year, 15-year, 20-year and 30-year fixed-rate mortgages are fully amortizing loans. The rate will be fixed for the full term of the loan, and your monthly principal and interest payments will not change for the term of the loan. A 5% down payment is required for owner-occupied 1- to 4-family properties, condominiums and townhouses. Private Mortgage Insurance is required for loans with a loan-to-value (LTV) ratio greater than 80%.
2Jumbo rates available for mortgages greater than $806,500. Call for current rates. Maximum LTV = 90%. Only available for 1- to 4-family owner-occupied properties and condominiums. Requires 10% down payment.
3APR=Annual Percentage Rate. Rates quoted are estimated as of XX/XX/2025 and are based on a purchase transaction with a loan amount of $560,000 and 20% down payment for a single-family primary residence. Rates quoted are available to members with a minimum credit score of 750. Other rates are available. Terms are dependent upon amount financed, loan-to-value ratio, debt-to-income ratio, property type, and occupancy type. All rates are subject to change without notice. Please call for an accurate rate quote.
4Payments shown do not include taxes or insurance. Your payment may be greater.
Adjustable-Rate Mortgages
Effective Date: Wednesday, October 8, 2025
| Term | Points | Initial Rate1 | Initial Term | Fully Indexed Rate1 | Remaining Term | APR2 | Payment per Thousand |
|---|---|---|---|---|---|---|---|
| 1/1 Adjustable 30 years | 0 | 6.000% | 12 months | 6.875% | 348 months | 7.013% | $6.00 |
| 3/3 Adjustable 30 years | 0 | 6.125% | 36 months | 6.625% | 324 months | 6.714% | $6.08 |
| 5/5 Adjustable 30 years | 0 | 6.250% | 60 months | 6.750% | 300 months | 6.769% | $6.16 |
| 7/3 Adjustable 30 years | 0 | 6.375% | 84 months | 6.625% | 300 months | 6.715% | $6.24 |
| 10/1 Adjustable 30 years | 0 | 6.625% | 120 months | 6.875% | 240 months | 6.933% | $6.40 |
1Jumbo rates available for mortgages greater than $806,500. Call for current rates. Maximum LTV = 90%. Only available for 1- to 4-family owner-occupied properties and condominiums. Requires 10% down payment.
2APR=Annual Percentage Rate. Rates quoted are accurate as of date indicated and are subject to change. Terms are dependent upon amount financed. Rates shown above are for members with the best credit profile. Other rates are available based on your credit score.
