First Mortgage Rates - Purchase/Refinance

The rates listed below are Community Credit Union's starting base interest rates.  The interest rate to be charged on a specific loan will be based on the loan program, the transaction type, the credit scores of all borrowers, the loan to value or combined loan to value (LTV/CLTV/HCLTV) ratios, the type of property financed, the number of units within the property and if secondary financing will apply.  The rate to be offered will be determined once a complete application, including property address and all supporting documents have been submitted.  Complete application package must be submitted for rate and point to be locked.  Rate adjustments will be made when escrows are waived and with no closing cost programs.  Community Credit Union reserves the right to limit the maximum Loan to Value (LTV) or Combined Loan To Value (CLTV) ratio that we will finance.

Purchase/Refinance Loan Amounts OVER $50,000**

Conventional Financing

30 Year FixedAPR
3.875% + 1.004.030%
4.125% + 0.004.198%
20 Year FixedAPR
3.750% + 1.003.965%
3.875% + 0.003.974%
15 Year FixedAPR
3.125% + 1.003.394%
3.250% + 0.003.373%
10 Year FixedAPR
2.875% + 1.003.263%
2.990% + 0.003.166%
40 Year FixedAPR
5.125% + 1.005.267%
5.375% + 0.005.443%

VA Financing

VA 30 Year FixedAPR
Not avail + 1.00N/A
3.750%+ 0.004.104%

FHA Financing

FHA 30 Year FixedAPR
Not avail + 1.00N/A
3.750%+ 0.004.836%

HomeFree Mortgage

Up to 10 YR Fixed No Closing CostsAPR
Up to 10 YR Fixed with Closing CostsAPR

Vacant Lots

Vacant Lots - Maximum Loan amount $100,000

5 Year Fixed7.50% - 8.50%
10 Year Fixed8.50% - 9.75%

Loan rates are based on credit history, loan terms, and borrower qualifications.  Contact CCU to determine your rate.

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