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Home Loan Rates

Rates effective since February 1, 2019, and are subject to change.

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Fixed-Rate Mortgages

Type
Rate
APR
Points
30 Year - Fixed Rate 4.375% 4.406% 0.00
20 Year - Fixed Rate 4.375% 4.418% 0.00
15 Year - Fixed Rate 3.875% 3.929% 0.00
10 Year - Fixed Rate 3.875% 3.953% 0.00

Assumptions

  • 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 3.500% 4.901% 0.00
1/1 ARM - 15 Year Term 3.375% 4.813% 0.00
3/1 ARM - 30 Year Term 3.750% 4.734% 0.00
3/1 ARM - 15 Year Term 3.625% 4.514% 0.00
5/1 ARM - 30 Year Term 3.875% 4.617% 0.00
5/1 ARM - 15 Year Term 3.625% 4.245% 0.00
7/1 ARM - 30 Year Term 4.125% 4.608% 0.00
7/1 ARM - 15 Year Term 3.750% 4.126% 0.00
10/1 ARM - 30 Year Term 4.375% 4.638% 0.00
10/1 ARM - 15 Year Term 3.875% 4.039% 0.00

Assumptions

  • 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.