Skip to Main Content Skip to Sitemap Skip to Online Banking

Mortgage Rates

Buying? Refinancing? Copper State Credit Union can help.
Come home to better mortgage rates.
Copper State Credit Union's mortgage rates are structured to fit your budget and lifestyle, whether you're buying a home in Arizona, looking to refinance your current mortgage or wanting to tap into your home's equity.1

First Mortgage

To learn more, call 623.580.6000 to speak to a mortgage loan specialist.

  • Fixed2 rate programs
  • 5-30 year terms available
  • Amount financed varies by program

Rates are current as of December 3, 2020 - Rates as low as:

Mortgage Product Rate APR
15 Year Fixed 2.63% 2.81%
30 Year Fixed 3.00% 3.19%

If you are interested in a mortgage loan that is not a 15 year or 30 year term, please contact our Mortgage Concierge at 623.580.6020 about terms from 5-30 years.

Home Equity Lines of Credit

To learn more, call 623.580.6000 to speak to a mortgage loan specialist.

  • 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 November 2, 2020 - Rates as low as:

FICO Scores To 80% Loan to Value Annual Percentage Rate
760+ Prime + 0.50%* 4.00%
720-759 Prime + 1.50% 4.75%
680-719 Prime + 2.00% 5.25%
650-679 Prime + 3.50% 6.75%
620-649 Prime + 5.50% 8.75%

*Floor Rate is 4.00%.

Minimum amount: $15,000

Maximum amount: $350,000

Annual Percentage Rate: Minimum is 4.00% and Maximum is 18.00%

Prime rate is 3.25%

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
  • Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral condition. All loans subject to approval.
  • No prepayment penalty
  • Property insurance is required and will be verified
  • Home Equity Loans

    Rates are current as of November 2, 2020 - Rates as low as:

    FICO Scores To 80% Loan to Value
    760+ 5.25%
    720-759 5.50%
    680-719 5.75%
    650-679 7.00%
    620-649 8.00%

    Minimum amount: $15,000

    Maximum amount: $350,000

    • Rates above reflect the Annual Percentage Rate (APR)
    • Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral condition. All loans subject to approval.
    • No prepayment penalty
    • Property insurance is required and will be verified
    Disclosure

    1Savings amount is based on a $250,000 mortgage loan with an average 1% origination fee.

    2APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval. For a $250,000 loan with a 20% down payment at 3.19% APR for a 30 year term, the monthly payment would be $843 (excluding property tax and insurance); for a $250,000 loan with a 20% down payment at 2.81% APR for a 15 year term, the monthly payment would be $1,345 (excluding property tax and insurance). 1% Origination Fee may apply.