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Home Loan Rates

Rates effective since October 19, 2018, and are subject to change.

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Fixed-Rate Mortgages

Type
Rate
APR
Points
30 Year Fixed Rate 4.500% 4.706% 2.00
4.750% 4.870% 1.00
5.000% 5.033% 0.00
20 Year Fixed Rate 4.500% 4.782% 2.00
4.750% 4.913% 1.00
5.000% 5.044% 0.00
15 Year Fixed Rate 3.875% 4.228% 2.00
4.125% 4.329% 1.00
4.375% 4.430% 0.00
10 Year Fixed Rate 3.875% 4.384% 2.00
4.125% 4.418% 1.00
4.375% 4.454% 0.00
  • Rates listed above are available to well qualified borrowers who are purchasing or refinancing their primary residence. Rates and terms are subject to change without notice.
  • Add 0.125% to rates if loan amount is under $100,000. Add 0.5% to rates for Construction Loans.
  • For purchase and refinance loans over $100,000, 0.125 percent has been deducted from current rates. The stated rate reflects the discount.
  • Maximum term on loans less than $25,000 is 10 years.
  • Rate and points are locked in for 60 days from the date of application.
  • Private Mortgage Insurance (PMI) is required for loans over 80% loan-to-value. Rates listed do not include PMI.



Adjustable-Rate Mortgages

Type
Rate
APR
Points
1 Year ARM - 30 yr. 2.875% 5.115% 2.00
3.125% 5.069% 1.00
3.375% 5.003% 0.00
1 Year ARM - 15 yr. 2.625% 5.045% 2.00
2.875% 4.963% 1.00
3.125% 4.882% 0.00
3 Year ARM - 30 yr. 3.000% 4.814% 2.00
3.375% 4.825% 1.00
3.750% 4.828% 0.00
3 Year ARM - 15 yr. 2.875% 4.568% 2.00
3.250% 4.591% 1.00
3.625% 4.590% 0.00
5 Year ARM - 30 yr. 3.250% 4.637% 2.00
3.625% 4.688% 1.00
4.000% 4.740% 0.00
5 Year ARM - 15 yr. 3.125% 4.299% 2.00
3.500% 4.370% 1.00
3.875% 4.442% 0.00
7 Year ARM - 30 yr. 3.875% 4.722% 2.00
4.125% 4.756% 1.00
4.375% 4.791% 0.00
7 Year ARM - 15 yr. 3.750% 4.454% 2.00
4.000% 4.490% 1.00
4.250% 4.527% 0.00
10 Year ARM - 30 yr. 4.125% 4.698% 2.00
4.375% 4.769% 1.00
4.625% 4.840% 0.00
10 Year ARM - 15 yr. 4.000% 4.462% 2.00
4.250% 4.538% 1.00
4.500% 4.615% 0.00
  • Rates listed above are available to well qualified borrowers who are purchasing or refinancing their primary residence. Rates and terms are subject to change without notice.
  • For purchase and refinance loans over $100,000, 0.125 percent has been deducted from current rates. The stated rate reflects the discount.
  • Margin is 2.5%.
  • Cap is 2% Maximum Adjustment per Year — 6% LIFE.
  • Closing Rate is floor.
  • May be convertible to Fixed Rate during 13th through 60th months, $250 Conversion Fee — Use the 60-day FNMA Index. Email CEFCU or call 1.800.542.3328 ext. 33424 for more details.
  • Private Mortgage Insurance (PMI) is required for loans over 80% loan-to-value. Rates listed do not include PMI.