| Term | Rate | APR*** |
| 30 Yr. Fixed FHA (up to $387,500) | 4.875% 0 pts/0 Orig. Fee (45 day lock) | 4.889% |
| 30 Yr. Fixed Conventional (up to $417,000) | 4.875% 0 Pts/.75 Orig. Fee | 5.002% |
| 30 Yr. Fixed Conventional | 5.125% 0 Pts./0 Orig. Fee | 5.187% |
| 15 Yr. Fixed Conventional | 4.00% 0 Pts./.75 Orig. Fee | 4.211% |
| 15 Yr. Fixed Conventional | 4.250% 0 Pts/0 Orig. Fee | 4.350% |
| 10 Yr. Fixed Conventional | 4.00% 0 Pts/0 Orig. Fee | 4.142% |
| 20 Yr. Fixed Conventional | 4.875% 0Pts/0 Orig. Fee | 4.947% |
| 5/1 ARM Conventional | 5.00% 0 Pts/0 Orig. Fee | 3.318% |
| 30 Yr. Fixed Investment !!!!!!! | 5.125% 3 Pts./0 Orig. Fee | 5.449% |
| SEE NO CLOSING COSTS BELOW | | |
| COMING SOON "VA". | | |
| All rates subject to change without notice. | | |
NO CLOSING COST PROGRAMS (UP TO $5000). CALL FOR DETAILS!
| Term | Rate | APR*** |
| 30 Yr. Fixed Conventional (Purchase Only)^^^ | 5.50% 0 Pts./0 Orig. Fee | 5.598% |
| 30 Yr. Fixed Investment (Purchase Only)^^^ | 5.50% 3 Pts./0 Orig. Fee | 5.881% |
Fixed Second Mortgage-Apply Now
| Term | Rate | APR*** |
| 20 Yr. Fixed Max. | (as low as) 6.00% | 6.00*** |
Home Equity Line-of-Credit-Apply Now
| Term | Rate | APR+ |
| 30 Yr. Maximum | (as low as) 4.00% | ** |
Rates are effective 11/20/2009
* APR = Annual Percentage Rate. Does not apply to home equity lines of credit (HELOCs). Rate is for the life of the loan. ^Terms are 5, 15 and 20 years. Minimum loan amount is $10,000. If loan is paid in full within one year of the date of the loan, a pre-payment penalty up to $1,000 may apply. Home Equity Loan payment example: $60,000 borrowed for a 5-year term at 5.00% APR, sample monthly payment would equal $1,132.28.
** No closing costs for loans up to $100,000. For loans over $100,000, the estimated fees and costs to open the loan are between $1000 and $2500. Title insurance is required to be paid by borrower on home equity loans and HELOCs greater than $100,000. Property insurance is required, and flood insurance may be required depending upon the location of the property. The amount of a home equity loan is based upon the current market value of the property, minus the amount of any current mortgages and other liens on the property. Please consult your tax advisor and IRS Publication 936 (Home Mortgage Interest Deduction) regarding interest deductibility. Our current HELOC APR ranges between 4.75% APR and 17.9% APR depending on creditworthiness criteria and the HELOC type selected. HELOCs have a variable APR; the maximum HELOC APR is 17.9%. All rates and terms are subject to change without notice; please contact the Credit Union for current rates and terms. Credit subject to approval. Other restrictions may apply. A home equity loan is secured by a lien on your home. Full appraisal, paid by applicant, may be required in certain circumstances.
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Rates posted are indications only and are subject to change without notice. Please call 904-371-8150 to receive current quotes.
Today's rates are posted on this page between 9:00 - 10:00 AM EST. If yesterday's date is listed as the effective date, the rates reflected here are unavailable. If you wish to lock your interest rate for a current application, refer to the "Rates" section under "Rate Lock" for details.
*All ARM loans have a 30 year amortization. ARM rates are subject to change after loan closing.
Maximum amount for conventional loan $417,000.
Maximum loan amount for FHA loan $387,500.
Jumbo rates-call for details.
^^^No Closing Cost 1st Mortgage (Purchase Only)Up to $5000 limit on buyers costs. Excludes pre-paids, points, origination fees & LLPA's. No pre-payment penalty. Min.loan amount $100,000. Subject to credit, income and appraisal approval. Available only on30 year fixed conventional loans. CALL FOR DETAILS OR VISIT A BRANCH!!
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