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First Mortgages

Discover our First Mortgage options.

Conventional Fixed Rate Mortgages

The Conventional Fixed Rate First Mortgage is a loan with a specified term, which maintains its original interest rate throughout the entire term of the loan. Details include:

  • Flexible terms and rate plans to fit your borrowing needs
  • No prepayment penalty
  • Competitive closing costs and No Closing Cost options
  • Loan payments can be made automatically

Apply for a Conventional Mortgage Loan

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Adjustable Rate Mortgage (ARM)

The Adjustable Rate Mortgage (ARM) establishes a fixed rate for a predetermined period of time (e.g., 1 yr, 3 yrs, 5 yrs, 7 yrs). During the term of the mortgage loan, the interest rate will adjust according to a predetermined schedule. Your interest rate may be reduced at adjustment period, depending on market conditions.

  • 30 year terms available
  • No prepayment penalty
  • Competitive Closing Costs
  • Loan payments can be made automatically

Apply for an Adjustable Rate Mortgage 

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Learn about other home financing options like our new Green Advantage Mortgage program. 

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 (2nd mortgages only). For loans over $100,000, the estimated fees and costs to open the loan are between $1,000 and $2,500. Borrower is required to pay  title insurance 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 on the current market value of the property, less 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 varies, 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.
APR = Annual Percentage Rate. This product is designed for the purchase and limited cash-out refinance of new construction or existing residential properties. These homes must be built to the standards of the National Home Energy Rating Standards (HERS). All requirements of the standard checklist must be met, and a HERS Index of 85 or better must be obtained in accordance with the Energy Star Performance Requirements. This loan applies to a one-unit, owner-occupied, primary residence; fixed rate mortgages that have a term of 30 years and do not include interest-only option; maximum loan-to-value/combined-loan-to-value 95%. Energy efficient mortgage loan payment example: $200,000 borrowed for a 30-year term at 6.50% APR, sample monthly payment would equal $1,264.14.
Appraisal may be required, and fee is the responsibility of the member.

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