Mortgage Loans
Make all your dreams some true! Our experienced and friendly mortgage professionals are ready to help you find the program that is right for you. Our mortgage department focuses on the individual needs of our members.
1st mortgage
To learn more or to apply online, visit our Mortgage Web Center.
- Fixed and Variable rate programs
- 10, 15 and 30 year terms available
- Amount financed varies by program
- Call 800.200.4889 to speak to a mortgage specialist
Rates are current as of May 16, 2013
| Mortgage Product | Annual Percentage Rate | |
|---|---|---|
| 30-Year Fixed Rate | 3.75%- No Points | |
| 15-Year Fixed Rate | 3.125% - No Points | |
| 5/1 ARM | 2.875% - 1.359 Points | |
| Maximum amount | Varies based on program | |
- Rates subject to change without notice
- Rate lock based on approved application date
- Fees vary by program. 1.25% origination fee + closing costs
- Programs with no prepayment penalty available
Home Equity Lines of Credit
- Payment amount 1.5% of balance outstanding
- Ten year draw period and ten year repayment period
- Up to 80% of appraised value available
- Variable Rate Loan Product
- Apply Now
Rates are current as of December 1, 2012
| FICO Scores | To 80% Loan to Value | |
|---|---|---|
| 720+ | Prime + 2.00% | 5.25% |
| 680-719 | Prime + 3.00% | 6.25% |
| 640-679 | Prime + 5.00% | 8.25% |
| 600-639 | Prime + 7.00% | 10.25% |
| Maximum amount | $100,000 | |
| Annual Percentage Rate | Minimum is 4.00% and Maximum is 18.00% | |
| First Draw | First draw amount is a minimum of $1,000 | |
| Draw period | Ten year draw period with a ten year repayment | |
- Rates above reflect the Annual Percentage Rate (APR)
- The index will be adjusted monthly as of the first day of each billing cycle following an index change
- Your rate is based on your LTV, current financial situation and credit history
- Closing costs can range from $500 to $700
- No prepayment penalty
Second Mortgage Loans
Rates are current as of October 1, 2012
| FICO Scores | To 80% Loan to Value |
|---|---|
| 720+ | 5.75% |
| 680-719 | 6.25% |
| 640-679 | 7.25% |
| 600-639 | 8.25% |
| Maximum amount | $100,000 |
| Annual Percentage Rate | Minimum is 4.00% and Maximum is 18.00% |
- Rates above reflect the Annual Percentage Rate (APR)
- Less than $5,000 - Up to 60 months
- $5,000 - $14,999 - Up to 120 months
- Greater than $15,000 - Up to 180 months
- Your rate is based on your LTV, current financial situation and credit history
- Closing costs can range from $500 to $700
- No prepayment penalty
