A fixed-rate home loan has the same interest rate for the full term of the loan giving you the predictability of a consistent payment.

Today's rates

As low as 5.875% (6.15% APR).

See all PURCHASE or REFINANCE rates.

Features of our fixed-rate home loans

  • Down payments as low as 3%.
  • Rate lock that covers the period between credit approval and closing.1
  • No prepayment penalty.
  • Option for no Private Mortgage Insurance (PMI) on purchase loans only, which is usually required with less than 20% down and can add hundreds of dollars to your monthly payment.2
  • Option to pay points at closing in exchange for a lower rate.


Let's chat

Our loan consultants will answer your questions about financing and find a loan that's right for you. 

Call (800) 462-8328, ext. 8288

Monday through Friday, 8 a.m. – 7 p.m.
Saturday, 9 a.m. – 3 p.m.

Or make an appointment with a loan consultant in person, over the phone or at a branch.

Submit an application

Apply online through our application platform. Log in with your SchoolsFirst FCU user name and password, or as a guest. 

If we aren't the best deal, we'll tell you.

If you've shopped around, we'll gladly compare your options to help you make a confident choice — even if that means choosing another lender.


APR = Annual Percentage Rate. All loans subject to approval.

​The interest rates and APRs listed above are effective as of 07/21/2024 and are subject to change without notice. The pricing you may qualify for is based on factors including your credit rating and loan-to-value (LTV) of your property. A minimum credit qualifying score is required. Loan pricing that you may qualify for can be different based on your credit history, loan-to-value (LTV), occupancy, property type, loan amount, loan purpose and income/financial obligations. A minimum credit qualifying score is required. Rates and programs are subject to change without notice.
  1. Limits apply to the length of rate locks offered and rate locks may not cover the entire period between credit approval and closing in all cases. See our Rate Lock Information for terms and conditions.
  2. Available for school employees only. Programs available with no PMI with increases applied to interest rate/APR; loan-to-value range from 80.01% - 95%; minimum down payment of 5%; eligible properties are primary residence single-family homes and condominiums; condominium subject to additional rate adjustment. Please contact a real estate loan consultant for details.

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