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“The Credit Union has something for everyone, from someone who is financially savvy to a person who just needs basic services.”


– Amy C.
Member Since 2010

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15-Year Fixed Mortgage
15-Year Fixed Mortgage

 

In choosing a 15-year fixed rate mortgage, you get a lower interest rate than on a 30-year mortgage, but a higher monthly payment. More of each payment goes toward your principal as opposed to interest, so you’ll have paid off your loan in half the time of a traditional 30-year loan.

Features

  • Down payments as low as 3%
  • Rate lock that covers the period between credit approval and closing1

Benefits

  • A set payment that won’t fluctuate over time
  • Less interest paid over the life of the loan (compared to a 30-year fixed mortgage)
  • Build equity faster than a 30-year fixed mortgage
  • No prepayment penalty
  • Ask about our School Employee Mortgage Program with special benefits for educators

Apply Now

Online
 

Apply now to complete an online application  

 

Call

Call 

 

800.462.8328 ext. 8288

Monday through Friday, 8 a.m. - 7 p.m.

Saturday, 9 a.m. - 3 p.m.

 

 

Purchase and Refinance Rates


15-Year Fixed (Conforming)2
Loan amounts from $50,000 - $484,350

Interest Rate Annual Percentage Rate (APR)3 Points Estimated Payment Per $1,000 Borrowed3
3.000% 3.24% 1.000 $6.91
3.250% 3.35% 0.000 $7.03
3.500% 3.46% -1.000 $7.15

 

 

15-Year Fixed (Jumbo)4
Loan amounts from $484,351 - $2,000,000

Interest Rate Annual Percentage Rate3 Points Estimated Payment Per $1,000 Borrowed3
3.000% 3.24% 1.000 $6.91
3.250% 3.35% 0.000 $7.03
3.500% 3.46% -1.000 $7.15

 

 

 

Disclosures

All loans subject to approval. Rates, terms, and conditions are subject to change.
 

The interest rates, points, and APRs listed above are effective as of date and examples of the loan pricing offered for a particular product. 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. Payment examples do not include the cost of property taxes or insurance, so the actual payment obligation will be greater. Rates and programs are subject to change without notice.

 

160 days maximum from request of rate lock. See our “Rate Lock Informationfor terms and conditions. Not applicable to loan pre-approvals without property selected.

 

2"Conforming" loans meet the loan limits and terms set by the Federal Housing Finance Agency (FHFA). In most of the US, the maximum conforming loan is $484,350. Loans above that amount are considered "jumbo" loan.

 

3The APRs and estimated payments are based on a loan amount of $350,000. Not applicable to loan pre-approvals without property selected. All loans subject to approval.

 

4Loans above the conforming loan limit are known as "jumbo" loans. Loan Amounts up to $850,000 available at down payments as low as 5%; Loan Amounts up to $2 million require larger down payments. Private Mortgage Insurance (PMI) is required for down payments less than 20%.  Condominium subject to additional rate adjustment.

 

 

 

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