Mortgage Loans

Make all your dreams come true! Our experienced and friendly mortgage professionals are ready to help you find the program that is right for you. Our mortgage department focuses on the individual needs of our members.

First Mortgage

To learn more, call 800.303.5240 to speak to a mortgage loan specialist.

  • Fixed and Variable rate programs
  • 10, 15 and 30 year terms available
  • Amount financed varies by program

Rates are current as of February 24, 2017 - Rates as low as:

Mortgage Product Annual Percentage Rate
30-Year Fixed Rate 4.375% - No Points
15-Year Fixed Rate 3.750% - No Points
5/1 ARM 3.625% - No Points
Maximum amount Varies based on program
  • All loans are subject to approval.
  • For a $100,000 loan at 4.375% APR for a 30 year term, the monthly payment would be $499.29 (excluding property tax and insurance); for a $100,000 at 3.750% APR for a 15 year term, the monthly payment would be $727.22 (excluding property tax and insurance).
  • Rate lock based on approved application date
  • Fees vary by program. 1.25% origination fee + closing costs may apply
  • Programs with no prepayment penalty available
  • Apply Today

Home Equity Lines of Credit

  • Payment amount 1.5% of balance outstanding
  • Ten year draw period and ten year repayment period
  • Up to 80% of appraised value available
  • Variable Rate Loan Product
  • Apply Now

Rates are current as of June 1, 2016 - Rates as low as:

FICO Scores To 80% Loan to Value Annual Percentage Rate
720+ Prime + 1.50% 5.00%
680-719 Prime + 2.00% 5.50%
640-679 Prime + 3.50% 7.00%
600-639 Prime + 5.50% 9.00%
Maximum amount $350,000
Annual Percentage Rate Minimum is 4.00% and Maximum is 18.00%
First Draw First draw amount is a minimum of $1,000
Draw period Ten year draw period with a ten year repayment
  • Rates above reflect the Annual Percentage Rate (APR)
  • The index will be adjusted monthly as of the first day of each billing cycle following an index change
  • Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral condition. All loans subject to approval.
  • Closing costs can range from $500 to $700
  • No prepayment penalty

Second Mortgage Loans

Rates are current as of June 1, 2016 - Rates as low as:

FICO Scores To 80% Loan to Value
720+ 5.75%
680-719 6.25%
640-679 7.25%
600-639 8.25%
Maximum amount $350,000
Annual Percentage Rate Minimum is 4.00% and Maximum is 18.00%
  • Rates above reflect the Annual Percentage Rate (APR)
  • Less than $5,000 - Up to 60 months
  • $5,000 - $14,999 - Up to 120 months
  • Greater than $15,000 - Up to 180 months
  • Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral condition. All loans subject to approval.
  • Closing costs can range from $500 to $700
  • No prepayment penalty