Borrow Rates

*Applies to one-to four-family, owner-occupied primary residences and second homes only. Not seeing the Mortgage product you’re interested in? We offer several other loan programs and rates, some with down payment options as low as 3%. Email us or call a loan officer to ask for advice at 1-877-722-6243. Rates are subject to change without notice (in-house portfolio options also available). Call for a quote. For details about our First-Time Homebuyer Programs, contact one of our loan officers.

**Annual percentage rate.

^†These payments do not include amounts for taxes and insurance premiums. If applicable, the actual payment obligation will be greater.

*Applies to one- to four-family, owner-occupied primary residences only. Interest rates on all ARM products can increase by up to 1.50% per change date. Over the life of the loan, the interest rate on all ARM products will never be less than 3.75% nor will it ever exceed a rate equal to the initial interest rate plus 4.00%. Other competitive rates and terms also available, including down payment options as low as 3%. Rates may increase after loan closes. Rates are subject to change without notice. Call for a quote.

**Annual percentage rate.

†Initial interest rates may be a premium or discounted rate and may not be based on the index and margin used to make later adjustments.

*Annual percentage rate.

**Both options above utilize a 20-year term, 10-year draw period. The rate is fixed for first two years. Thereafter, rate adjusts monthly equal to the Prime Rate as published in the Wall Street Journal plus 0.50%. As of May 4, 2023, the Prime Rate is 8.25%. Maximum APR is 11.45%. Minimum APR is 3.95%. Property insurance will be required for this loan. You may be required to pay certain fees (such as a title search, title insurance and/or an appraisal of your home) to third parties. These fees generally total between $0 and $1,000. Pre-payment penalty of 1% of credit limit (max $1,000) if closed within 12 months of closing date. Interest rate quoted above is based on certain terms and conditions. Call for details.

*Annual percentage rate.

Call for rates on Unsecured Personal Loans, Collateral Loans, Home Equity and Mobile Home Loans.