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Mortgage Rates

Rates listed on this page are only a selection and do not represent all rates, terms and products available. Additional rates, terms, and products that suit your particular need may be available.

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Fixed-Rate Mortgages

Type
Rate
APR
Points
30 Year - Fixed Rate 5.750% 5.845% 0.00
20 Year - Fixed Rate 5.750% 5.877% 0.00
15 Year - Fixed Rate 5.000% 5.157% 0.00
10 Year - Fixed Rate 5.000% 5.224% 0.00

Adjustable-Rate Mortgages

Type
Rate
APR
Points
5/1 ARM - 30 Year Term 5.125% 6.462% 0.00
5/1 ARM - 15 Year Term 4.875% 5.934% 0.00
7/1 ARM - 30 Year Term 5.250% 6.283% 0.00
7/1 ARM - 15 Year Term 5.000% 5.672% 0.00
10/1 ARM - 30 Year Term 5.375% 6.086% 0.00
10/1 ARM - 15 Year Term 5.125% 5.442% 0.00

Jumbo Mortgages

Type
Rate
APR
Points
30 Year - Fixed Rate 5.750% 5.845% 0.00
20 Year - Fixed Rate 5.750% 5.877% 0.00
15 Year - Fixed Rate 5.000% 5.157% 0.00
5/1 ARM - 30 Year Term 5.125% 6.462% 0.00
7/1 ARM - 30 Year Term 5.250% 6.283% 0.00
10/1 ARM - 15 Year Term 5.375% 6.086% 0.00

Assumptions

  • Rates listed above are available to well qualified borrowers who are purchasing or refinancing the current mortgage balance for their primary residence.
  • Add .25% for cash-out refinance transactions.
  • Rates and terms are subject to change without notice.
  • Reduced rates may be available through the purchase of "points". The cost of a point is 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.
  • 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.
  • Add 0.500% for Construction and Completion Loans. Construction and Completion Loans have a 12-month rate lock while your new home is being built or completed. Rate reductions may be available if construction is completed in less than 9 months (.250% reduction) or less than 6 months (.375% reduction).
  • Additional Adjustable Rate Mortgage Details
    • 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.