Mortgage rates may change daily. Our current Mortgage rates can be found below or on our Mortgage Rates page. Want to learn more about the mortgages we offer? Visit our Mortgage page.
To apply for a Mortgage click the Apply Now links in the tables below. You can also call our Member Service Center at 800.498.8930 or visit one of our six locations for more information.
Fixed Rate Mortgage
| Product | Interest Rate | Points | APR* | Apply |
|---|---|---|---|---|
| 15 Year Fixed Rate | 6.125% | 0 | 6.270% | Apply Now |
| 20 Year Fixed Rate | 6.625% | 0 | 6.748% | Apply Now |
| 30 Year Fixed Rate | 6.75% | 0 | 6.845% | Apply Now |
DISCLOSURES*
- 15 Year Fixed Rate Mortgage at 6.125% (6.270% APR): 180 monthly payments of $8.51 per $1,000 borrowed
- 20 Year Fixed Rate Mortgage at 6.625% (6.748% APR): 240 monthly payments of $7.53 per $1,000 borrowed
- 30 Year Fixed Rate Mortgage at 6.75% (6.845% APR): 360 monthly payments of $6.49 per $1,000 borrowed
DISCLOSURES
*Annual Percentage Rates (APR) are lowest available and subject to change without notice. Account subject to individual approval. Conditions and/or restrictions may apply. Rates do not take into consideration possible adjustments based on applicant’s credit score, loan-to-value, combined loan-to-value, subordinate financing, occupancy, appraised value, down payment, property type, property use and loan purpose. Property insurance (and flood insurance if applicable) required. Payment amounts shown do not include taxes and insurance premiums which will result in a higher actual monthly payment. Mortgage insurance required if loan to value exceeds 80%.
- 15 Year Fixed Rate Mortgage at 6.125% (6.258% APR): 180 monthly payments of $8.51 per $1,000 borrowed
- 20 Year Fixed Rate Mortgage at 6.500% (6.612% APR): 240 monthly payments of $7.46 per $1,000 borrowed
- 30 Year Fixed Rate Mortgage at 6.625% (6.711% APR): 360 monthly payments of $6.40 per $1,000 borrowed
Adjustable Rate Mortgage
| Product | Interest Rate | Points | APR* | Apply |
|---|---|---|---|---|
| 10/1 ARM | 6.375% | 0 | 6.549% | Apply Now |
| 7/1 ARM | 6.25% | 0 | 6.520% | Apply Now |
| 5/1 ARM | 6.125% | 0 | 6.465% | Apply Now |
DISCLOSURES*
- 10/1 Adjustable Rate Mortgage at 6.375% (6.549% APR): 360 monthly payments of $6.24 per $1,000 borrowed
- 7/1 Adjustable Rate Mortgage at 6.250% (6.520% APR): 360 monthly payments of $6.16 per $1,000 borrowed
- 5/1 Adjustable Rate Mortgage at 6.125% (6.465% APR): 360 monthly payments of $6.08 per $1,000 borrowed
DISCLOSURES
*Annual Percentage Rates (APR) are lowest available and subject to change without notice. Rate may increase after closing. Account subject to individual approval. Conditions and/or restrictions may apply. Rates do not take into consideration possible adjustments based on applicant’s credit score, loan-to-value, combined loan-to-value, occupancy, appraised value, down payment, property type, property use and loan purpose. Property insurance (and flood insurance if applicable) required. Payment amounts shown do not include taxes and insurance premiums which will result in a higher actual monthly payment. Mortgage insurance required if loan to value exceeds 80%.
- 10/1 Adjustable Rate Mortgage at 6.375% (6.549% APR): 360 monthly payments of $6.24 per $1,000 borrowed
- 7/1 Adjustable Rate Mortgage at 6.250% (6.520% APR): 360 monthly payments of $6.16 per $1,000 borrowed
- 5/1 Adjustable Rate Mortgage at 6.125% (6.465% APR): 360 monthly payments of $6.08 per $1,000 borrowed
Active as of 06.18.2025
First Time Home Buyer Mortgage
| Product | Interest Rate | Points | APR* |
|---|---|---|---|
| Year 1* | 6.00% | 0 | 6.845% |
| Year 2* | 6.25% | 0 | 6.845% |
| Year 3* | 6.50% | 0 | 6.845% |
| Year 4-30* | 6.75% | 0 | 6.845% |
DISCLOSURES*
- First Time Home Buyer Mortgage, year 1 at 6.00% (6.845% APR): 12 monthly payments of $6.00 per $1,000 borrowed
- First Time Home Buyer Mortgage, year 2 at 6.25% (6.845% APR): 12 monthly payments of $6.16 per $1,000 borrowed
- First Time Home Buyer Mortgage, year 3 at 6.50% (6.845% APR): 12 monthly payments of $6.32 per $1,000 borrowed
- First Time Home Buyer Mortgage, years 4-30 at 6.75% (6.845% APR): 324 monthly payments of $6.49 per $1,000 borrowed
DISCLOSURES
*Annual Percentage Rates (APR) are lowest available and subject to change without notice.” Rate for years 4 – 30 is the “Base Rate”. Rate for year 1 is Base Rate minus 0.75%; year 2 is Base Rate minus 0.50%; year 3 is Base Rate minus 0.25%. Account subject to individual approval. Conditions and/or restrictions may apply. Rates do not take into consideration possible adjustments based on applicant’s credit score, loan-to-value, combined loan-to-value, occupancy, appraised value, down payment, property type, property use and loan purpose. Payment amounts shown do not include taxes and insurance premiums which will result in a higher actual monthly payment. Property insurance (and flood insurance if applicable) required. Mortgage insurance required if loan to value exceeds 80%. All borrowers must be a first time home buyer.
- First Time Home Buyer Mortgage, year 1 at 6.00% (6.845% APR): 12 monthly payments of $6.00 per $1,000 borrowed
- First Time Home Buyer Mortgage, year 2 at 6.25%% (6.845% APR): 12 monthly payments of $6.16 per $1,000 borrowed
- First Time Home Buyer Mortgage, year 3 at 6.50% (6.845% APR): 12 monthly payments of $6.32 per $1,000 borrowed
- First Time Home Buyer Mortgage, years 4-30 at 6.75% (6.845% APR): 324 monthly payments of $6.49 per $1,000 borrowed
