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Home Loan Rates
Rates effective since December 7, 2018, and are subject to change.
Assumptions Rate Watch Apply Now Personalized Quote
Fixed-Rate Mortgages
Type |
Rate |
APR |
Points |
| 30 Year - Fixed Rate | 4.250% | 4.452% | 2.00 |
| 4.500% | 4.618% | 1.00 | |
| 4.750% | 4.782% | 0.00 | |
| 20 Year - Fixed Rate | 4.250% | 4.529% | 2.00 |
| 4.500% | 4.662% | 1.00 | |
| 4.750% | 4.794% | 0.00 | |
| 15 Year - Fixed Rate | 3.750% | 4.102% | 2.00 |
| 4.000% | 4.203% | 1.00 | |
| 4.250% | 4.305% | 0.00 | |
| 10 Year - Fixed Rate | 3.750% | 4.258% | 2.00 |
| 4.000% | 4.293% | 1.00 | |
| 4.250% | 4.329% | 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 |
| 1/1 ARM - 30 Year Term | 2.875% | 5.115% | 2.00 |
| 3.125% | 5.069% | 1.00 | |
| 3.375% | 5.003% | 0.00 | |
| 1/1 ARM - 15 Year Term | 2.625% | 5.045% | 2.00 |
| 2.875% | 4.963% | 1.00 | |
| 3.125% | 4.882% | 0.00 | |
| 3/1 ARM - 30 Year Term | 3.000% | 4.814% | 2.00 |
| 3.375% | 4.825% | 1.00 | |
| 3.750% | 4.828% | 0.00 | |
| 3/1 ARM - 15 Year Term | 2.875% | 4.568% | 2.00 |
| 3.250% | 4.591% | 1.00 | |
| 3.625% | 4.590% | 0.00 | |
| 5/1 ARM - 30 Year Term | 3.250% | 4.637% | 2.00 |
| 3.625% | 4.688% | 1.00 | |
| 4.000% | 4.740% | 0.00 | |
| 5/1 ARM - 15 Year Term | 3.125% | 4.299% | 2.00 |
| 3.500% | 4.370% | 1.00 | |
| 3.875% | 4.442% | 0.00 | |
| 7/1 ARM - 30 Year Term | 3.875% | 4.722% | 2.00 |
| 4.125% | 4.756% | 1.00 | |
| 4.375% | 4.791% | 0.00 | |
| 7/1 ARM - 15 Year Term | 3.750% | 4.454% | 2.00 |
| 4.000% | 4.490% | 1.00 | |
| 4.250% | 4.527% | 0.00 | |
| 10/1 ARM - 30 Year Term | 4.250% | 4.776% | 2.00 |
| 4.500% | 4.847% | 1.00 | |
| 4.750% | 4.919% | 0.00 | |
| 10/1 ARM - 15 Year Term | 4.125% | 4.576% | 2.00 |
| 4.375% | 4.652% | 1.00 | |
| 4.625% | 4.728% | 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.