Rates

Mortgages

These rates are in effect as of Friday, September 25, 2020.

PointsRates As Low AsAPR*Monthly Payment Per $1,000 Borrowed
10 Year Term - 120 Payments
22.500%3.080%$9.66
12.625%2.993%$9.71
02.750%2.909%$9.77
15 Year Term - 180 Payments
22.625%3.024%$7.03
12.750%3.003%$7.09
02.875%2.984%$7.15
20 Year Term - 240 Payments
22.740%3.048%$5.72
12.865%3.061%$5.79
02.990%3.075%$5.85
30 Year Term - 360 Payments
22.875%3.093%$4.49
13.000%3.139%$4.56
03.125%3.185%$4.63
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*APR = Annual Percentage Rate.

THE ABOVE PAYMENT EXAMPLES DO NOT REFLECT AMOUNTS DUE FOR TAXES, HOMEOWNER'S INSURANCE AND PMI INSURANCE (PMI INSURANCE WILL BE REQUIRED IF YOU ARE BORROWING MORE THAN 80% OF THE APPRAISED VALUE OF THE PROPERTY). THEREFORE, YOUR ACTUAL PAYMENT OBLIGATIONS WILL BE HIGHER.

Above APRs are based on loan amounts of $280,000. Above rates are applicable to loans secured by a 1-2 Family home which is the principal residence of the borrower(s). Different rates may apply for loans secured by Co-ops, Second/Vacation homes and 3-4 Family homes. Rates may be higher based on applicant’s creditworthiness. Rates and terms are subject to change without notice. Certain restrictions may apply.
PointsInitial Rate (not based on index and margin used to make later payments)Current Rate (based on index and margin)**APR*Monthly Payment Per $1,000 Borrowed for the first 60 payments based on Initial RateMonthly Payments Per $1,000 Borrowed for remaining 300 payments based on Current Rate
5/5 ARM (30 Year Term)
22.740%4.000%3.773%$4.08$4.77
12.865%4.000%3.736%$4.14$4.77
02.990%4.000%3.699%$4.21$4.77
*APR=ANNUAL PERCENTAGE RATE. RATES AND PAYMENTS MAY ADJUST ANNUALLY AFTER THE INITIAL PERIOD EXPIRES BASED ON MOVEMENTS IN THE INDEX.

**CURRENT RATES SHOWN IN TABLE ABOVE FACTOR IN MCU'S FLOOR RATE OF 4%.

THE ABOVE PAYMENT EXAMPLE DOES NOT REFLECT AMOUNTS DUE FOR TAXES, HOMEOWNER'S INSURANCE AND PMI INSURANCE. (PMI INSURANCE WILL BE REQUIRED IF YOU ARE BORROWING MORE THAN 80% OF THE APPRAISED VALUE OF THE PROPERTY). THEREFORE, YOUR ACTUAL PAYMENT OBLIGATIONS WILL BE HIGHER.

Above APRs are based on loan amounts of $280,000. Above rates are applicable to loans secured by a 1-2 Family home which is the principal residence of the borrower(s). Different rates may apply for loans secured by Co-ops, Second/Vacation homes and 3-4 Family homes. Rates may be higher based on applicant's creditworthiness. Rates and terms are subject to change without notice. Certain restrictions may apply.

The rate is current as of 09/25/2020 and is the Credit Union's best rate. Rates and terms may vary depending on loan to value ratio, credit evaluation and underwriting requirements. After the fixed rate period, your interest rate will adjust up or down according to market rates at the time of reset. PMI=Private Mortgage Insurance. Flood and/or property hazard insurance may be required. All Credit Union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. 5/5 ARM: The payment on a 30 year $280,000, 5-year Adjustable Rate Loan at 2.99% and 80% loan-to-value (LTV) is $1,178.98. After 5 years, the payment is $1,335.60. These payments do not include taxes or insurance premiums. The actual premiums will be higher; and rates provided are based on current market rates and are informational only. Payments are estimates and include only principal and interest.
PointsInitial Rate (not based on index and margin used to make later adjustments)Current Rate (based on index and margin)**APR*Monthly Payment Per $1,000 Borrowed for first 12 payments based on Initial RateMonthly Payment Per $1,000 Borrowed for remaining 348 payments based on Current Rate
3/1 ARM (30 YEAR TERM)
23.500%4.000%4.109%$4.77$5.05
13.625%4.000%4.054%$4.85$5.05
03.750%4.000%4.000%$4.92$5.05
5/1 ARM (30 YEAR TERM)
23.500%4.000%4.044%$4.77$5.28
13.625%4.000%4.005%$4.85$5.28
03.750%4.000%3.967%$4.92$5.28
7/1 ARM (30 YEAR TERM)
23.500%4.000%3.986%$4.77$5.55
13.625%4.000%3.962%$4.85$5.55
03.750%4.000%3.939%$4.92$5.55
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*APR = ANNUAL PERCENTAGE RATE. RATES AND PAYMENTS MAY ADJUST ANNUALLY AFTER THE INITIAL PERIOD EXPIRES BASED ON MOVEMENTS IN THE INDEX.

**CURRENT RATES SHOWN IN TABLE ABOVE FACTOR IN MCU’S FLOOR RATE OF 4%.

THE ABOVE PAYMENT EXAMPLES DO NOT REFLECT AMOUNTS DUE FOR TAXES, HOMEOWNER'S INSURANCE AND PMI INSURANCE. (PMI INSURANCE WILL BE REQUIRED IF YOU ARE BORROWING MORE THAN 80% OF THE APPRAISED VALUE OF THE PROPERTY). THEREFORE, YOUR ACTUAL PAYMENT OBLIGATIONS WILL BE HIGHER.

Above APRs are based on loan amounts of $280,000.Above rates are applicable to loans secured by a 1-2 Family home which is the principal residence of the borrower(s). Different rates may apply for loans secured by Co-ops, Second/Vacation homes and 3-4 Family homes. Rates may be higher based on applicant’s creditworthiness. Rates and terms are subject to change without notice. Certain restrictions may apply.
PointsRates As Low AsAPR*Monthly Payment Per $1,000 Borrowed
15 Year Term - 180 Payments
22.875%3.207%$6.96
13.000%3.187%$7.03
03.125%3.167%$7.09
30 Year Term - 360 Payments
23.125%3.308%$4.70
13.250%3.353%$4.77
03.375%3.399%$4.85
Apply Now
*APR = Annual Percentage Rate.

THE ABOVE PAYMENT EXAMPLES DO NOT REFLECT AMOUNTS DUE FOR TAXES, HOMEOWNER'S INSURANCE AND PMI INSURANCE (PMI INSURANCE WILL BE REQUIRED IF YOU ARE BORROWING MORE THAN 80% OF THE APPRAISED VALUE OF THE PROPERTY). THEREFORE, YOUR ACTUAL PAYMENT OBLIGATIONS WILL BE HIGHER.

Above APRs are based on loan amounts of $480,000. Above rates are applicable to loans secured by a 1-2 Family home which is the principal residence of the borrower(s). Different rates may apply for loans secured by Co-ops, Second/Vacation homes and 3-4 Family homes. Rates may be higher based on applicant’s creditworthiness. Rates and terms are subject to change without notice. Certain restrictions may apply.
PointsRates As Low AsAPR*Monthly Payment Per $1,000 Borrowed
15 Year Term - 180 Payments
23.000%3.333%$7.21
13.125%3.312%$7.27
03.250%3.293%$7.33
20 Year Term - 240 Payments
23.115%3.374%$6.11
13.240%3.386%$6.18
03.365%3.398%$6.25
30 Year Term - 360 Payments
23.250%3.435%$4.70
13.375%3.479%$4.77
03.500%3.524%$4.85
Apply Now
*APR = Annual Percentage Rate.

THE ABOVE PAYMENT EXAMPLES DO NOT REFLECT AMOUNTS DUE FOR TAXES, HOMEOWNER'S INSURANCE AND PMI INSURANCE (PMI INSURANCE WILL BE REQUIRED IF YOU ARE BORROWING MORE THAN 80% OF THE APPRAISED VALUE OF THE PROPERTY). THEREFORE, YOUR ACTUAL PAYMENT OBLIGATIONS WILL BE HIGHER.

Above APRs are based on loan amounts of $680,000. Above rates are applicable to loans secured by a 1-2 Family home which is the principal residence of the borrower(s). Different rates may apply for loans secured by Co-ops, Second/Vacation homes and 3-4 Family homes. Rates may be higher based on applicant’s creditworthiness. Rates and terms are subject to change without notice. Certain restrictions may apply.

These rates are in effect as of Friday, September 25, 2020.
Rates and terms are subject to change without notice.

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Routing Number: 226078036

  • ncua Federally insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.