Mortgage Home Loan Rates

Traditional Mortgages

Term Rate As Low As APR1 As Low As Points Payment Per $1,0002
30 -Year 6.250% 6.365% 0% $6.19
20 -Year  6.000% 6.150% 0% $7.21
15 -Year 5.750% 5.938% 0% $8.37
10 -Year 5.750% 6.016% 0% $11.08
Effective Date: September 26, 2022
Membership eligibility is required.
1: APR (Annual Percentage Rate) assumes $150,000 financed with a loan-to-value (LTV) of 80% or less and a down payment of 20% for borrowers with excellent credit (740 or higher). Mortgage rates valid daily. Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value. 
Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $0. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $0. Your actual APR may be different depending upon these factors.
2: Actual payments will be higher with taxes and insurance, which will increase your actual monthly payment.

 

Term Rate As Low As APR1 As Low As3 Points Payment Per $1,0002
3 -Year 5.250% 5.358% 0% $5.56
5 -Year 5.500% 5.610% 0% $5.71
7 -Year 5.625% 5.735% 0% $5.79
Effective Date: September 26, 2022
Membership eligibility is required.
1: APR (Annual Percentage Rate) assumes $150,000 financed with a loan-to-value (LTV) of 80% or less and a down payment of 20% for borrowers with excellent credit (740 or higher). Mortgage rates valid daily. Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value.
Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $0. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $0. Your actual APR may be different depending upon these factors.
2: Actual payments will be higher with taxes and insurance, which will increase your actual monthly payment.
3: Adjustment is based on the SOFR index plus margin of 2.75%. Maximum annual adjustment on 1, 3, and 5 year is 2%; maximum over the life of the loan is 6%. Maximum annual adjustment on 7 year is 2%; maximum over the life of the loan is 5%. No conversion option. Estimated monthly payments shown include principal, interest and (if applicable) any required mortgage insurance. ARM interest rates and payments are subject to increase after the initial fixed-rate period: after 3 years for a 3yr/1yr ARM, 5 years for a 5yr/1yr ARM, and 7 years for a 7yr/1yr ARM; the 1 yr indicates that the interest rate is subject to adjustment once per year after initial term).

 

Refinancing

Loan-to-Value: 70% & Under

Term Rate As Low As APR1 As Low As Points Payment Per $1,0002
8 -Year 4.190% 4.260% 0% $12.31
10 -Year  4.390% 4.447% 0% $10.33
15 -Year 4.840% 4.880% 0% $7.84
Effective Date: September 26, 2022
Membership eligibility is required.
1: APR (Annual Percentage Rate) assumes $150,000 financed with a loan-to-value (LTV) of 80% or less and a down payment of 20% for borrowers with excellent credit (740 or higher). Mortgage rates valid daily. Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value.
Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $0. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $0. Your actual APR may be different depending upon these factors.
2: Actual payments will be higher with taxes and insurance, which will increase your actual monthly payment.

 

Member Story

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NMLS ID 718926 - Equal Housing Opportunity. Membership eligibility is required.