Mortgage & Home Equity Rates

Active as of 02.12.2025

Rate Reduction Mortgage

Product Interest RatePointsAPR*Apply
30-Year Fixed Rate6.625%06.711%Apply Now

ProductInterest RatePointsAPR*Apply
15 Year Fixed Rate6.375%06.512%Apply Now
20 Year Fixed Rate6.500%06.612%Apply Now
30 Year Fixed Rate6.625%06.711%Apply Now

Adjustable Rate Mortgage

ProductInterest RatePointsAPR*Apply
10/1 ARM6.375%06.584%Apply Now
7/1 ARM6.250%06.573%Apply Now
5/1 ARM6.125%06.533%Apply Now

Active as of 02.12.2025

First Time Home Buyer Mortgage

ProductInterest RatePointsAPR*
Year 1*5.875%06.620%
Year 2*6.125%06.620%
Year 3*6.375%06.620%
Year 4-30*6.625%06.620%

PRODUCTINTEREST RATE TERM POINTSMONTHLY PAYMENT
PER $100,000
APR**
5 TO 1 ARM 2.875%/2.875%Months 1-60/Months 61-3600$414.892.97%
7 TO 1 ARM 2.875%/2.875%Months 1-84/Months 85-3600$414.892.97%
10 TO 1 ARM 3.25%/3.25%Months 1-120/Months 121-3600$435.213.35%

Construction and Land Loans

Active as of 02.12.2025

ProductInterest Rate POINTSAPR*
Construction to Permanent Fixed Rate6.625%.506.694%
Land Loan Rates quoted individually - Call for rate

Home Equity Line of Credit

Active as of 02.12.2025

Centennial Home Equity Line of Credit

First and Second Position

ProductInterest RatePointsAPR*Apply Now
Primary Residence6.50%06.50%Apply Now
Second Home
7.00%07.00%Apply Now
Investment Property7.50%07.50%Apply Now

Home Equity Loans

Active as of 02.12.2025

Fixed Rate Home Equity Loan

First and Second Position

ProductInterest RatePointsAPR*Apply Now
10 Years
Primary Residence6.750%06.750%Apply Now
Second Home
7.250%07.250%Apply Now
Investment Property7.750%07.750%Apply Now
15 Years
Primary Residence7.000%07.000%Apply Now
Second Home
7.500%07.500%Apply Now
Investment Property8.000%08.000%Apply Now
20 Years
Primary Residence7.250%07.250%Apply Now
Second Home
7.750%07.750%Apply Now
Investment Property8.250%08.250%Apply Now