Home Loan Rates

Rates are effective February 11, 2017, and are subject to change.

Assumptions Rate Watch Apply Now Personalized Quote

Fixed-Rate Mortgages

  •  
Type
Rate
APR
Points
30 Year Fixed Rate 3.500% 3.693% 2.00
3.750% 3.862% 1.00
4.000% 4.030% 0.00
20 Year Fixed Rate 3.500% 3.770% 2.00
3.750% 3.906% 1.00
4.000% 4.041% 0.00
15 Year Fixed Rate 2.750% 3.090% 2.00
3.000% 3.196% 1.00
3.250% 3.302% 0.00
10 Year Fixed Rate 2.750% 3.245% 2.00
3.000% 3.285% 1.00
3.250% 3.325% 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 0.375% 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. 2.000% 3.453% 2.00
2.250% 3.393% 1.00
2.500% 3.333% 0.00
1 Year ARM - 15 yr. 1.750% 3.483% 2.00
2.000% 3.373% 1.00
2.250% 3.265% 0.00
3 Year ARM - 30 yr. 2.000% 3.257% 2.00
2.375% 3.260% 1.00
2.750% 3.264% 0.00
3 Year ARM - 15 yr. 1.750% 3.091% 2.00
2.125% 3.091% 1.00
2.500% 3.091% 0.00
5 Year ARM - 30 yr. 2.250% 3.170% 2.00
2.625% 3.221% 1.00
3.000% 3.272% 0.00
5 Year ARM - 15 yr. 2.125% 2.989% 2.00
2.500% 3.062% 1.00
2.875% 3.136% 0.00
7 Year ARM - 30 yr. 2.750% 3.273% 2.00
3.000% 3.309% 1.00
3.250% 3.345% 0.00
7 Year ARM - 15 yr. 2.625% 3.162% 2.00
2.875% 3.202% 1.00
3.125% 3.242% 0.00
10 Year ARM - 30 yr. 3.000% 3.335% 2.00
3.250% 3.407% 1.00
3.500% 3.529% 0.00
10 Year ARM - 15 yr. 2.875% 3.266% 2.00
3.125% 3.346% 1.00
3.375% 3.427% 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.