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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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30-Year Fixed Mortgage
30-Year Fixed Mortgage

 

Planning to stay in your home for a while? A 30-year term provides lower monthly payments than a shorter-term loan, and the fixed interest rate offers a consistent monthly payment.  

Features

  • Down payment as low as 3%
  • A lower payment (compared to a 15- or 10- year term)
  • Rate lock that covers the period between credit approval and closing1

Benefits

  • A set payment that won’t fluctuate over time
  • Low payment often makes qualifying easier for those on a budget
  • No prepayment penalty

  • Ask about our School Employee Mortgage Program with special benefits for school employees


Other Loan Options

15-Year Fixed Mortgage
10-Year Fixed Mortgage
Adjustable-Rate Mortgages
 

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.

 

 

"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" loans and usually have higher interest rates.

Refinance Rates 

 

30-Year Fixed (Conforming)
(Maximum Loan: $484,350)

 

Interest Rate Annual Percentage Rate (APR) Points Estimated Payment Per $1,000 Borrowed
3.750% 3.89% 1.000 $4.63
4.000% 4.06% 0.000 $4.77
4.250% 4.26% -0.625 $4.92

 

30-Year Fixed (Jumbo)2

(Maximum Loan: $2,000,000)

 

Interest Rate Annual Percentage Rate (APR) Points Estimated Payment Per $1,000 Borrowed
3.625% 3.77% 1.000 $4.56
3.875% 3.94% 0.000 $4.70
4.125% 4.14% -0.625 $4.85

 

Purchase Rates 

 

30-Year Fixed (Conforming)
(Maximum Loan: $484,350)

 

Interest Rate Annual Percentage Rate (APR) Points Estimated Payment Per $1,000 Borrowed
3.625% 3.77%
1.000
$4.56
3.875% 3.94% 0.000 $4.70
4.125% 4.14% -0.625 $4.85

 

30-Year Fixed (Jumbo)2

(Maximum Loan: $2,000,000)

 

Interest Rate Annual Percentage Rate (APR) Points Estimated Payment Per $1,000 Borrowed
3.500% 3.64% 1.000 $4.49
3.750% 3.81%
0.000
$4.63
4.000% 4.01% -0.625 $4.77

 

 

Disclosures

The interest rates, points, and APRs listed above are effective as of date are subject to change, 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. 

 

The APRs and estimated payments are based on a loan amount of $350,000. APRs include an estimate of 30 days of prepaid interest. All loans subject to approval.

 

Not applicable to loan pre-approvals without property selected.

 

160 days maximum from request of rate lock. See our “Rate Lock Information” for terms and conditions.

 

2Loans 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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