Loan Annual Percentage Rate
Rates are effective 1/1/2025 and are subject to change.
Loan Categories |
APR* As Low As |
|---|---|
|
4.74%** |
|
|
4.99%** |
|
|
7.30%** |
|
|
7.50%** |
|
|
7.10%** |
|
|
7.50%** |
|
| 7.00%** | |
|
5.75% |
|
|
6.25% |
|
| Prime minus 0.26% | |
|
9.90%* |
|
| 9.90%* | |
|
The APR is calculated at 2.00% above the dividend rate paid on the Share Account. |
|
|
The APR is calculated at 2.00% above the dividend rate paid on the Certificate Account. |
|
|
9.50%* |
|
|
Personal Line of Credit |
12.50%* |
*APR - Annual Percentage Rate. Rate is based on Credit Worthiness.
**Rate applies to new purchase and refinances from other financial institutions only.
Mortgage Rates
As of July 15, 2025
LOAN CATEGORY |
RATE/APR* |
|---|---|
RATES QUOTED WITHOUT POINTS |
|
CONVENTIONAL MORTGAGE1 |
|
| 6.500% / 6.575% | |
| 6.250% / 6.348% | |
| 5.650% / 5.771% | |
JUMBO MORTGAGE2 |
|
| 6.000% / 6.022% | |
| 5.500% / 5.529% | |
| 5.250% / 5.287% | |
HOME EQUITY3 |
|
| as low as 6.900% / 7.290% | |
| as low as 7.150% / 7.467% | |
First-Time Home Buyer Mortgage (FTHB)4 |
|
|
30 YR |
as low as 7.380% / 7.436% |
LAND LOAN5 |
|
| 20 YR | 6.250% / 6.401% |
*The Annual Percentage Rates (APR) posted are estimates and are intended for informational use only. Your actual APR may vary. Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval. Rate subject to change without notice. Primary Residency Only.
1 Conventional Loans- The rates displayed are for conforming loan programs and are based on a $250,000 Loan Amount with 20% down/equity.
2 Jumbo Loans- The rates displayed are for conforming loan programs and are based on a $806,500 Loan Amount with 20% down/equity.
3 Home Equity Loans- The rates displayed are based on a loan amount of $50,000.
4 First-Time Home Buyer- Eligible in the states of FL and KY only. The rate displayed is for conforming FTHB mortgage and is based on a $350,000 loan amount (97% of financing). Rates based on creditworthiness and subject to change.
5 Land Loans- Financing available up to 75% loan to value subject to rate adjustments and additional qualifications. Rates listed are based on 75% loan to value. The rates displayed are based on a loan amount of $100,000