Mortgage Rates
House shop with confidence knowing that reliable financing is available when it's time to make a purchase.
Payments shown do not include taxes or insurance. Your payment may be greater.
Fixed Rate Mortgages - Up to $806,500.00
Effective Date: Monday, April 28, 2025
| Term | Interest Rate | Points | APR** | Payment per Thousand | # 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 |
The 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 1-4 family properties, condominiums and townhouses. Private Mortgage Insurance is required for loans with a loan to value (LTV) ratio greater than 80%.
*Jumbo rates available for mortgages greater than $806,500.00. Call for our current rates. Maximum LTV = 90%. Only available for 1-4 family owner-occupied properties and condominiums and require a 10% down payment.
**APR=Annual Percentage Rate. The rates quoted are estimated as of 04/07/2025 and are based on a purchase transaction with a loan amount of $560,000 and 20% downpayment for a single family primary residence. The 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.
Adjustable Rate Mortgages - Up to $806,500.00
Effective Date: Monday, April 28, 2025
| Term | Points | Initial Rate | Intial Term | Fully Indexed Rate | Remaining Term | APR** | Payment Per Thousand |
|---|---|---|---|---|---|---|---|
| 1/1 Adjustable 30 years |
0 | 6.000% | 12 months | 6.750% | 348 months | 6.899% | $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% | 276 months | 6.715% | $6.24 |
| 10/1 Adjustable 30 years |
0 | 6.625% | 120 months | 6.750% | 240 months | 6.891% | $6.40 |
*Jumbo rates available for mortgages greater than $806,500.00. Call for our current rates. Maximum LTV = 90%. Only available for 1-4 family owner-occupied properties and condominiums and require a 10% down payment.
**APR=Annual Percentage Rate. The rates quoted are accurate as of the 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.