SCROLL chart from left to right to view all available rates.
|30 Year Fixed Rate*|
|15 Year Fixed Rate*|
|5/1 Year Adjustable*|
|5/5 Year Adjustable*|
|7/1 Year Adjustable*|
|10/1 Year Adjustable*|
ABOVE ARE OUR FEATURED PRODUCT RATES
To view rates for all other products please click the "Get A Custom Rate Quote" button below.
Get a Custom Rate Quote*
Rates and terms are subject to change without prior notice. This rate sheet does not constitute a commitment. Rates and points can only be locked upon receipt of a completed Rate Lock Agreement. This rate sheet reflects the current base interest rates for Purchase and Refinance Transactions. Rates and terms are based on an evaluation of each member. Rate, APR and points may be adjusted based on several factors, including but not limited to loan type, loan purpose, documentation type, loan amount, occupancy type, property type, loan to value and your credit score. Your final rate, APR and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply. All loans are subject to credit approval.
- Consult a Mortgage Representative for additional rate discount options. (One point = 1% of the loan amount.)
- This program is a specially designed program for single unit primary residence high-balance conforming loans ($417,001 - $625,500 or the maximum allowable) that are located in areas that are subject to high-cost area loan limits set annually by the Federal Housing Finance Agency (FHFA). This program is available for LTVs/CLTVs up to 90% for purchase and rate/term refinances. The maximum LTV for cash-out refinance is 60%.
- Jumbo rates apply for all fixed rate and adjustable rate loans over 417,000 USD for 1-4 unit properties that are not eligible for the Jumbo-Conforming program. Rate displayed is for single unit primary residence property with a loan amount of 417,001 USD – 625,500 USD. Higher rates will apply for loans greater than $625,500. Jumbo rates for 2-4 unit properties are higher.
The interest rates, Annual Percentage Rates (APRs), and discount points indicated are subject to change without notice.
The monthly payment amount indicated includes principal, interest, and mortgage insurance, if required. Your actual monthly payment will be higher if an escrow/impound account is established or required.
Your APR will vary based on your final mortgage loan amount and finance charges.
*The below Adjustable Rate Mortgage (ARM) rates are promotional rates offered for qualified new home purchases of a primary residence or future retirement residence, external refinances and outstanding pre-approvals which convert to loan applications dated between 8 April 2014 and 1 July 2014. Loans must close no later than 1 September 2014 to receive the promotional rate. Secondary homes, investment properties, refinances of UNFCU mortgages and loan applications received prior to 8 April 2014 are not eligible for this promotional rate offer and the interest rates are .25% higher. External refinance is defined as refinancing a mortgage held by another financial institution. Consult a mortgage representative for more information on applying. Promotional rates are only available until 1 July 2014.