Current Mortage Rates

Rates Effective 01/30/12-02/05/12

  ** The rates quoted here are indications only; all rates are subject to change without notice.
The rates and points set forth above are for a loan to home value ratio (LTV) of 70% or less. In the event that the borrower's LTV exceeds 70%, on refinance only, the points will be adjusted upward an additional .50 percent for an LTV of 70.01% to 79.99% and an additional .75 percent for an LTV of 80% to 85%.

*** Monthly payment examples assume a loan amount of $100,000. All adjustable rates quoted assume a 30 year amortization.

• The rate indicated for adjustable rate mortgages is the initial rate and subject to increase. For example, the 5/1 ARM ; the initial rate is fixed for five years and may adjust annually thereafter.
• Owner occupied fixed rate purchase mortgages require minimum 5% down. Owner occupied variable rate mortgages require a minimum 10% down, with the exception of zero down on 100% 5/1 yr. Product. Refinancing of both fixed or variable rate owner occupied mortgages require a minimum down of 10% .
• 15 year term equals 180 payments.
• For variable rates the lifetime cap shown is the percentage that, when added to the initial rate, is the maximum interest rate.
• Other terms and conditions may apply. Contact the Credit Union for details.
• Non-conforming loans now offered. Contact the Credit Union for details.