If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 1.800.633.7077.
Mortgage Rates
Rates effective since July 11, 2020, and are subject to change.
Rate Watch Apply Now Personalized Quote
Fixed-Rate Mortgages
Type |
Rate |
APR |
Points |
| 30 Year - Fixed Rate | 3.500% | 3.531% | 0.00 |
| 20 Year - Fixed Rate | 3.500% | 3.544% | 0.00 |
| 15 Year - Fixed Rate | 2.750% | 2.805% | 0.00 |
| 10 Year - Fixed Rate | 2.750% | 2.830% | 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 | 2.500% | 2.645% | 0.00 |
| 1/1 ARM - 15 Year Term | 2.250% | 2.627% | 0.00 |
| 3/1 ARM - 30 Year Term | 2.500% | 2.628% | 0.00 |
| 3/1 ARM - 15 Year Term | 2.250% | 2.537% | 0.00 |
| 5/1 ARM - 30 Year Term | 2.500% | 2.612% | 0.00 |
| 5/1 ARM - 15 Year Term | 2.250% | 2.464% | 0.00 |
| 7/1 ARM - 30 Year Term | 2.625% | 2.655% | 0.00 |
| 7/1 ARM - 15 Year Term | 2.375% | 2.497% | 0.00 |
| 10/1 ARM - 30 Year Term | 2.750% | 2.730% | 0.00 |
| 10/1 ARM - 15 Year Term | 2.500% | 2.568% | 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.