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Mortgage Rate Disclosures

General Terms for All Loans

  • APR is Annual Percentage Rate. Rates updated December 16, 2024 and are subject to change without notice. 
  • Rates are based on an evaluation of your credit history and other factors, so your rate may differ.
  • The APR and monthly payment examples assume a 25% down payment on a purchase or no-cash out refinance with a 740 credit score on a 1 unit owner occupied (primary residence).
  • If the down payment is less than 20%, private mortgage insurance (PMI) will be required on the loan and could result in an increased APR and payment.
  • Rate locks – 60 days – No Fee
  • We are unable to support mortage loans in Hawaii, Massachusetts, New York, Rhode Island, Washington DC or Vermont.

Payment example: On a $300,000 owner occupied (primary residence) home loan at a rate of 6.875% or 30 years, the monthly payment would be $1,970.79 resulting in a 7.077% APR. Payment does not include applicable taxes and insurance and may result in a higher payment.

Payment example: On a $300,000 owner occupied (primary residence) home loan at a rate of 6.125% for 15 years, the monthly payment would be $2,551.87 resulting in a 6.446% APR. Payment does not include applicable taxes and insurance and may result in a higher payment.

Additional Fixed Rate Terms

The 30-year fixed rate mortgage product with 3% minimum down payment (97% LTV) available to first time home buyers only. Fixed rate mortgages may be subject to FNMA fees based on credit score, LTV and other factors which may apply.

Additional Adjustable Rate Mortgage (ARM) Terms

  • Adjustable rate mortgage (ARM) rates are subject to change according to product terms.

Adjustable Rate Mortgage Disclosures

Early ARM Disclosure Statement 5/6 ARM Program
Early ARM Disclosure Statement 7/6 ARM Program
Early ARM Disclosure Statement 10/6 ARM Program

Membership with a $5 Share Account required.

SOFR=Secured Overnight Financing Rate