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Home Loan Rates
Rates effective since November 15, 2019, and are subject to change.
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Fixed-Rate Mortgages
Type |
Rate |
APR |
Points |
| 30 Year - Fixed Rate | 3.875% | 3.907% | 0.00 |
| 20 Year - Fixed Rate | 3.875% | 3.919% | 0.00 |
| 15 Year - Fixed Rate | 3.125% | 3.181% | 0.00 |
| 10 Year - Fixed Rate | 3.125% | 3.206% | 0.00 |
- Reduced rates may be available through the purchase of "points" equal to 1% of the loan amount. For most products, one point will reduce the rate by .25%. Please indicate your intention to purchase points when you apply.
- 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 |
| 1/1 ARM - 30 Year Term | 3.000% | 4.063% | 0.00 |
| 1/1 ARM - 15 Year Term | 2.750% | 3.981% | 0.00 |
| 3/1 ARM - 30 Year Term | 3.125% | 3.928% | 0.00 |
| 3/1 ARM - 15 Year Term | 2.875% | 3.697% | 0.00 |
| 5/1 ARM - 30 Year Term | 3.125% | 3.800% | 0.00 |
| 5/1 ARM - 15 Year Term | 2.875% | 3.453% | 0.00 |
| 7/1 ARM - 30 Year Term | 3.250% | 3.745% | 0.00 |
| 7/1 ARM - 15 Year Term | 3.000% | 3.351% | 0.00 |
| 10/1 ARM - 30 Year Term | 3.375% | 3.696% | 0.00 |
| 10/1 ARM - 15 Year Term | 3.125% | 3.281% | 0.00 |
- Reduced rates may be available through the purchase of "points" equal to 1% of the loan amount. For most products, one point will reduce the rate by .25%. Please indicate your intention to purchase points when you apply.
- 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.