If you’re buying or refinancing a home, and want a low initial monthly payment and interest rate, an adjustable-rate mortgage (ARM) is worth a look. Our 5/1, 7/1, and 10/1 ARMs offer a fixed, low rate for the first five, seven or 10 years, then adjust up or down every year. We also offer a 5/5 ARM, with a fixed rate for five years, adjusting up or down every five years thereafter.

An adjustable-rate mortgage may offer a lower initial interest rate than a conventional fixed rate loan. If you plan to stay in your home for only a few years, or you expect your income to increase in the years ahead, an ARM may be a smart choice.

Today's rates

As low as RECODEZRHAP-5YRT-C|Rate (RECODEZRHAP-5YRT-C|APR APR)
See all PURCHASE or REFINANCE rates.

Features of our ARMs

Down payments as low as 5%.
Rate lock for the period between credit approval and closing.¹
No negative amortization – a portion of every payment lowers your principal.
Option for no Private Mortgage Insurance (PMI)², which is usually required on loans with less than 20% down and can add several hundred dollars to your monthly payment.
Option to pay points at closing in exchange for a lower rate.
Lender-paid closing costs option for purchases³
- If you don’t have the cash to pay the upfront fees, in exchange for a slightly higher rate, we'll pay up to $5,500 of your nonrecurring closing costs, such as your appraisal, inspection, title insurance and origination fees, depending on your loan amount. Even if you have the cash, this option lets you keep some of it on-hand for moving expenses, home furnishings or repairs.

GET STARTED

If you're ready to begin searching for a home or looking to refinance, start with the Credit Union you trust.

Call

Our loan consultants will answer your questions about financing and find a loan that’s right for you.

In Person

Appointments available at designated branch locations.

800.462.8328, ext. 8288

Monday through Friday, 8 a.m. - 7 p.m.
Saturday, 9 a.m. - 3 p.m.

Online

Complete a simple inquiry form to have a loan consultant contact you.
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If we aren't the best deal, we'll tell you.

If you've shopped rates elsewhere, we will gladly do a cost comparison to help you make a confident choice – even if that means choosing another lender.

SHSVNG Share Savings 0 0 1.0E9 5.0 0.1 0.1 LQAVMM Liquid Adv. Money Market 0 0 9999.99 2000.0 0.75 0.75 24999.99 10000.0 0.991 1.0 49999.99 25000.0 0.991 1.0 99999.99 50000.0 0.991 1.0 1.0E9 100000.0 1.49 1.5 COLSAV 12-Month College Saver 0 0 1.0E9 200.0 4.21 4.3 SUMSVR Summer Saver 0 0 1.0E9 0.0 6.3 6.5 MYCLUB My Club Account 0 0 1.0E9 0.0 0.991 1.0 HOMSAV My Home Savings Account 12 12 150000.0 250.0 4.4 4.5 PYCPLN Paycheck Planner 0 0 1.0E9 0.0 6.3 6.5 ACCIRA Accumulation IRA 0 0 1.0E9 10.0 0.991 1.0 PRMIRACRT 6-Month IRA Promotional Certificate 6 6 1.0E9 500.0 4.5 4.6 PRMIRACRT 15-Month IRA Promotional Certificate 15 15 1.0E9 500.0 4.74 4.85 PRMIRACRT 37-Month IRA Promotional Certificate 37 37 1.0E9 500.0 4.83 4.95 IRACRT 30 Day 1 1 19999.99 500.0 3.0 3.05 49999.99 20000.0 3.05 3.1 99999.99 50000.0 3.1 3.15 IRACRT 30 Day 1 1 249999.99 100000.0 3.15 3.2 1.0E9 250000.0 3.2 3.25 PRMSHCERT 6-Month Add-On Promotional Certificate 6 6 1.0E9 500.0 4.4 4.5 PRMSHCERT 15-Month Promotional Certificate 15 15 1.0E9 500.0 4.64 4.75 PRMSHCERT 37-Month Promotional Certificate 37 37 1.0E9 500.0 4.74 4.85 SHCERT 30 Day 1 1 19999.99 500.0 2.91 2.95 49999.99 20000.0 2.96 3.0 99999.99 50000.0 3.0 3.05 SHCERT 30 Day 1 1 249999.99 100000.0 3.05 3.1 1.0E9 250000.0 3.1 3.15 SHCERT 03 - 05 Month 5 3 19999.99 500.0 3.78 3.85 49999.99 20000.0 3.83 3.9 99999.99 50000.0 3.87 3.95 SHCERT 03 - 05 Month 5 3 249999.99 100000.0 3.92 4.0 1.0E9 250000.0 3.97 4.05 SHCERT 06 - 11 Month 11 6 19999.99 500.0 4.02 4.1 49999.99 20000.0 4.07 4.15 99999.99 50000.0 4.11 4.2 SHCERT 06 - 11 Month 11 6 249999.99 100000.0 4.16 4.25 1.0E9 250000.0 4.21 4.3 SHCERT 12 - 17 Month 17 12 19999.99 500.0 4.11 4.2 49999.99 20000.0 4.16 4.25 99999.99 50000.0 4.21 4.3 SHCERT 12 - 17 Month 17 12 249999.99 100000.0 4.26 4.35 1.0E9 250000.0 4.31 4.4 SHCERT 18 - 23 Month 23 18 19999.99 500.0 4.11 4.2 49999.99 20000.0 4.16 4.25 99999.99 50000.0 4.21 4.3 SHCERT 18 - 23 Month 23 18 249999.99 100000.0 4.26 4.35 1.0E9 250000.0 4.31 4.4 SHCERT 36 - 47 Month 47 36 19999.99 500.0 4.11 4.2 SHCERT 36 - 47 Month 47 36 49999.99 20000.0 4.16 4.25 99999.99 50000.0 4.21 4.3 SHCERT 36 - 47 Month 47 36 249999.99 100000.0 4.26 4.35 1.0E9 250000.0 4.31 4.4 SHCERT 60 Month 60 60 19999.99 500.0 4.26 4.35 49999.99 20000.0 4.31 4.4 99999.99 50000.0 4.35 4.45 SHCERT 60 Month 60 60 249999.99 100000.0 4.4 4.5 1.0E9 250000.0 4.45 4.55 SHCERT 48 - 59 Month 59 48 19999.99 500.0 4.11 4.2 49999.99 20000.0 4.16 4.25 99999.99 50000.0 4.21 4.3 SHCERT 48 - 59 Month 59 48 249999.99 100000.0 4.26 4.35 1.0E9 250000.0 4.31 4.4 SHCERT 24 - 35 Month 35 24 19999.99 500.0 4.11 4.2 49999.99 20000.0 4.16 4.25 99999.99 50000.0 4.21 4.3 SHCERT 24 - 35 Month 35 24 249999.99 100000.0 4.26 4.35 1.0E9 250000.0 4.31 4.4 DCPCRT 36 Month Term 36 36 99999.99 500.0 4.88 5.0 DCPCRT 36 Month Jumbo 36 36 1.0E9 100000.0 4.88 5.0 DCPCRT 60 Month Term 60 60 99999.99 500.0 5.12 5.25 DCPCRT 60 Month Jumbo 60 60 1.0E9 100000.0 5.12 5.25 INVCHK Investment Checking 0 0 24999.99 0.0 0.05 0.05 99999.99 25000.0 0.1 0.1 1.0E9 100000.0 0.1 0.1 CVRDLL 12-Month Coverdell 0 0 1.0E9 100.0 4.35 4.45 IRACRT 03 - 05 Month 5 3 19999.99 500.0 3.87 3.95 49999.99 20000.0 3.92 4.0 99999.99 50000.0 3.97 4.05 IRACRT 03 - 05 Month 5 3 249999.99 100000.0 4.02 4.1 1.0E9 250000.0 4.07 4.15 IRACRT 06 - 11 Month 11 6 19999.99 500.0 4.11 4.2 49999.99 20000.0 4.16 4.25 99999.99 50000.0 4.21 4.3 IRACRT 06 - 11 Month 11 6 249999.99 100000.0 4.26 4.35 1.0E9 250000.0 4.31 4.4 IRACRT 12 - 17 Month 17 12 19999.99 500.0 4.21 4.3 49999.99 20000.0 4.26 4.35 99999.99 50000.0 4.31 4.4 IRACRT 12 - 17 Month 17 12 249999.99 100000.0 4.35 4.45 1.0E9 250000.0 4.4 4.5 IRACRT 18 - 23 Month 23 18 19999.99 500.0 4.21 4.3 49999.99 20000.0 4.26 4.35 99999.99 50000.0 4.31 4.4 IRACRT 18 - 23 Month 23 18 249999.99 100000.0 4.35 4.45 1.0E9 250000.0 4.4 4.5 IRACRT 24 - 35 Month 35 24 19999.99 500.0 4.21 4.3 49999.99 20000.0 4.26 4.35 99999.99 50000.0 4.31 4.4 IRACRT 24 - 35 Month 35 24 249999.99 100000.0 4.35 4.45 1.0E9 250000.0 4.4 4.5 IRACRT 36 - 47 Month 47 36 19999.99 500.0 4.21 4.3 49999.99 20000.0 4.26 4.35 99999.99 50000.0 4.31 4.4 IRACRT 36 - 47 Month 47 36 249999.99 100000.0 4.35 4.45 1.0E9 250000.0 4.4 4.5 IRACRT 48 - 59 Month 59 48 19999.99 500.0 4.21 4.3 49999.99 20000.0 4.26 4.35 99999.99 50000.0 4.31 4.4 IRACRT 48 - 59 Month 59 48 249999.99 100000.0 4.35 4.45 1.0E9 250000.0 4.4 4.5 IRACRT 60 Month 60 60 19999.99 500.0 4.35 4.45 49999.99 20000.0 4.4 4.5 99999.99 50000.0 4.45 4.55 IRACRT 60 Month 60 60 249999.99 100000.0 4.5 4.6 1.0E9 250000.0 4.55 4.65 DCPCRT 12 Month Term 12 12 99999.99 0.0 4.64 4.75 DCPCRT 12 Month Jumbo 12 12 1.0E9 100000.0 4.64 4.75 LOANTYPE0 Prime Rate (T1-Rewards,T2-Current) 0 0.0 2.08 0.0 4.5 2.28 4.75 2.29 0.0 2.08 0.0 2.08 0.0 2.08 LOANTYPE1 First Time Buyer - New Auto 48 18.0 2.94 8.59 2.47 30000.0 8.59 2.47 9.99 2.54 12.25 2.65 14.5 2.76 17.25 2.9 18.0 2.94 8.59 2.47 LOANTYPE1 First Time Buyer - New Auto 60 18.0 2.54 8.99 2.08 30000.0 8.99 2.08 10.5 2.15 13.25 2.29 15.5 2.41 17.25 2.5 18.0 2.54 8.99 2.08 LOANTYPE4 New Auto 36 18.0 3.62 6.39 3.06 0.0 6.39 3.06 6.99 3.09 7.99 3.13 10.99 3.27 13.49 3.39 18.0 3.62 6.39 3.06 LOANTYPE4 New Auto 48 18.0 2.94 6.39 2.37 0.0 6.39 2.37 6.99 2.39 7.99 2.44 10.99 2.58 13.49 2.71 18.0 2.94 6.39 2.37 LOANTYPE4 New Auto 60 18.0 2.54 6.39 1.95 0.0 6.39 1.95 6.99 1.98 7.99 2.03 10.99 2.17 13.49 2.3 18.0 2.54 6.39 1.95 LOANTYPE4 New Auto 72 18.0 2.28 6.69 1.69 0.0 6.69 1.69 7.25 1.72 8.25 1.77 11.25 1.92 13.49 2.03 18.0 2.28 6.69 1.69 LOANTYPE4 New Auto 84 18.0 2.1 7.39 1.53 0.0 7.39 1.53 7.99 1.56 18.0 2.1 18.0 2.1 18.0 2.1 18.0 2.1 7.39 1.53 LOANTYPE5 FastTrack (New Auto) 0 18.0 2.94 6.39 2.37 0.0 6.39 2.37 6.99 2.39 7.99 2.44 10.99 2.58 13.49 2.71 18.0 2.94 6.39 2.37 LOANTYPE7 FastTrack (Used Auto) 0 18.0 2.94 6.59 2.38 0.0 6.59 2.38 7.25 2.41 8.25 2.45 11.25 2.6 13.75 2.72 18.0 2.94 6.59 2.38 LOANTYPE8 Used Auto 36 18.0 3.62 6.59 3.07 0.0 6.59 3.07 7.25 3.1 8.25 3.15 11.25 3.29 13.75 3.41 18.0 3.62 6.59 3.07 LOANTYPE8 Used Auto 48 18.0 2.94 6.59 2.38 0.0 6.59 2.38 7.25 2.41 8.25 2.45 11.25 2.6 13.75 2.72 18.0 2.94 6.59 2.38 LOANTYPE8 Used Auto 60 18.0 2.54 6.59 1.96 0.0 6.59 1.96 7.25 1.99 8.25 2.04 11.25 2.19 13.75 2.31 18.0 2.54 6.59 1.96 LOANTYPE8 Used Auto 72 18.0 2.28 6.99 1.7 0.0 6.99 1.7 7.49 1.73 8.49 1.78 11.49 1.93 13.75 2.05 18.0 2.28 6.99 1.7 LOANTYPE8 Used Auto 84 18.0 2.1 7.59 1.54 0.0 7.59 1.54 8.25 1.57 18.0 2.1 18.0 2.1 18.0 2.1 18.0 2.1 7.59 1.54 LOANTYPE10 New Motorcycle 60 18.0 2.54 5.99 1.93 0.0 5.99 1.93 8.99 2.08 11.5 2.2 14.25 2.34 17.25 2.5 18.0 2.54 5.99 1.93 LOANTYPE10 New Motorcycle 72 18.0 2.28 6.49 1.68 0.0 6.49 1.68 9.49 1.83 11.99 1.95 17.25 2.24 17.25 2.24 18.0 2.28 6.49 1.68 LOANTYPE11 Used Motorcycle 60 18.0 2.54 5.99 1.93 0.0 5.99 1.93 8.99 2.08 11.5 2.2 14.25 2.34 17.25 2.5 18.0 2.54 5.99 1.93 LOANTYPE11 Used Motorcycle 72 18.0 2.28 6.49 1.68 0.0 6.49 1.68 9.49 1.83 11.99 1.95 17.25 2.24 17.25 2.24 18.0 2.28 6.49 1.68 LOANTYPE12 New RV (No offroad) 0 18.0 2.94 0.0 7.75 2.43 9.75 2.52 12.75 2.67 17.25 2.9 18.0 2.94 18.0 2.94 LOANTYPE14 Used RV (No offroad) 0 18.0 2.94 0.0 8.75 2.48 10.75 2.57 13.75 2.72 17.25 2.9 18.0 2.94 18.0 2.94 LOANTYPE15 First Time Buyer - Used Auto 48 18.0 2.94 8.99 2.49 30000.0 8.99 2.49 10.25 2.55 12.75 2.67 14.75 2.77 17.25 2.9 18.0 2.94 8.99 2.49 LOANTYPE15 First Time Buyer - Used Auto 60 18.0 2.54 9.25 2.09 30000.0 9.25 2.09 10.75 2.16 13.5 2.3 15.75 2.42 17.25 2.5 18.0 2.54 9.25 2.09 LOANTYPE16 New Boat/New Watercraft 0 18.0 2.94 0.0 7.75 2.43 9.75 2.52 12.75 2.67 17.25 2.9 18.0 2.94 18.0 2.94 LOANTYPE28 Special Curriculum Loans – Fixed 60 5.75 1.92 5.0 1.89 15000.0 5.0 1.89 5.0 1.89 5.0 1.89 5.0 1.89 5.0 1.89 5.75 1.92 5.0 1.89 LOANTYPE29 Special Curriculum Loans – Variable 60 11.25 2.19 10.5 2.15 50000.0 10.5 2.15 10.5 2.15 10.5 2.15 10.5 2.15 10.5 2.15 11.25 2.19 10.5 2.15 LOANTYPE30 Computer Loan 24 5.75 4.42 5.0 4.39 2500.0 5.0 4.39 5.0 4.39 5.0 4.39 5.0 4.39 5.0 4.39 5.75 4.42 5.0 4.39 LOANTYPE31 Educator Relocation Loan 36 9.75 3.21 9.0 3.18 5000.0 9.0 3.18 9.0 3.18 9.0 3.18 9.0 3.18 9.0 3.18 9.75 3.21 9.0 3.18 LOANTYPE33 Overdraft Protection 0 17.9 2.93 11.5 2.61 5000.0 11.5 2.61 13.5 2.71 15.5 2.81 17.9 2.93 17.9 2.93 17.9 2.93 11.5 2.61 LOANTYPE34 Personal Loan 0 18.0 3.62 9.99 3.23 50000.0 10.25 3.24 11.99 3.32 13.5 3.39 15.75 3.5 17.25 3.58 18.0 3.62 9.99 3.23 LOANTYPE34 Personal Loan 24 18.0 4.99 9.99 4.61 50000.0 10.25 4.63 11.99 4.71 13.5 4.78 15.75 4.88 17.25 4.96 18.0 4.99 9.99 4.61 LOANTYPE34 Personal Loan 36 18.0 3.62 9.99 3.23 50000.0 10.25 3.24 11.99 3.32 13.5 3.39 15.75 3.5 17.25 3.58 18.0 3.62 9.99 3.23 LOANTYPE34 Personal Loan 48 18.0 2.94 10.99 2.58 50000.0 11.25 2.6 12.99 2.68 14.5 2.76 16.5 2.86 17.25 2.9 18.0 2.94 10.99 2.58 LOANTYPE34 Personal Loan 60 18.0 2.54 11.99 2.22 50000.0 12.25 2.24 13.99 2.33 14.99 2.38 16.99 2.48 17.25 2.5 18.0 2.54 11.99 2.22 LOANTYPE37 Teacher Consolidation Loan 48 5.9 2.34 5.9 2.34 0.0 5.9 2.34 5.9 2.34 5.9 2.34 5.9 2.34 5.9 2.34 5.9 2.34 5.9 2.34 LOANTYPE37 Teacher Consolidation Loan 60 6.9 1.98 6.9 1.98 0.0 6.9 1.98 6.9 1.98 6.9 1.98 6.9 1.98 6.9 1.98 6.9 1.98 6.9 1.98 LOANTYPE37 Teacher Consolidation Loan 72 7.9 1.75 7.9 1.75 0.0 7.9 1.75 7.9 1.75 7.9 1.75 7.9 1.75 7.9 1.75 7.9 1.75 7.9 1.75 LOANTYPE39 Payroll Savings 0 17.9 2.93 17.9 2.93 500.0 17.9 2.93 17.9 2.93 17.9 2.93 17.9 2.93 17.9 2.93 17.9 2.93 17.9 2.93 LOANTYPE80 Visa Classic 0 17.9 2.93 11.0 2.58 25000.0 11.0 2.58 13.0 2.68 15.0 2.78 17.9 2.93 17.9 2.93 17.9 2.93 11.0 2.58 LOANTYPE81 Visa Gold 0 17.9 2.93 11.0 2.58 25000.0 11.0 2.58 13.0 2.68 15.0 2.78 17.9 2.93 17.9 2.93 17.9 2.93 11.0 2.58 LOANTYPE82 Student Visa 0 17.9 2.93 10.9 2.58 25000.0 10.9 2.58 12.9 2.68 14.9 2.78 17.9 2.93 17.9 2.93 17.9 2.93 10.9 2.58 LOANTYPE83 Share Secured Visa 0 17.9 2.93 13.9 2.73 5000.0 13.9 2.73 13.9 2.73 13.9 2.73 13.9 2.73 13.9 2.73 17.9 2.93 13.9 2.73 LOANTYPE84 School Employee Credit Card 0 17.9 2.93 8.0 2.44 25000.0 8.0 2.44 10.0 2.54 12.0 2.63 17.0 2.89 17.9 2.93 17.9 2.93 8.0 2.44 LOANTYPE85 MasterCard Secured 0 17.9 2.93 13.9 2.73 5000.0 13.9 2.73 13.9 2.73 13.9 2.73 13.9 2.73 13.9 2.73 17.9 2.93 13.9 2.73 LOANTYPE86 Visa Platinum 0 17.9 2.93 9.25 2.5 25000.0 9.0 2.49 11.0 2.58 13.0 2.68 17.9 2.93 17.9 2.93 17.9 2.93 9.25 2.5 LOANTYPE87 Visa Rewards Card 0 17.9 2.93 12.0 2.63 25000.0 12.0 2.63 14.0 2.73 16.0 2.83 17.9 2.93 17.9 2.93 17.9 2.93 12.0 2.63 LOANTYPE89 Credit Card 0 17.9 2.93 12.0 2.63 25000.0 12.0 2.63 14.0 2.73 16.0 2.83 17.9 2.93 17.9 2.93 17.9 2.93 12.0 2.63 LOANTYPE95 MasterCard Inspire 0 17.9 2.93 13.75 2.72 35000.0 15.75 2.82 17.75 2.92 17.9 2.93 17.9 2.93 17.9 2.93 17.9 2.93 13.75 2.72 LOANTYPE96 MasterCard School Employee 0 17.9 2.93 11.75 2.62 35000.0 12.75 2.67 14.75 2.77 16.75 2.87 17.9 2.93 17.9 2.93 17.9 2.93 11.75 2.62 LOANTYPE97 MasterCard Rewards 0 17.9 2.93 15.0 2.78 35000.0 16.75 2.87 17.9 2.93 17.9 2.93 17.9 2.93 17.9 2.93 17.9 2.93 15.0 2.78 LOANTYPE98 Higher Education 0 11.25 1.39 10.5 1.35 50000.0 10.5 1.35 10.5 1.35 10.5 1.35 10.5 1.35 10.5 1.35 11.25 1.39 10.5 1.35 HEINFO Misc. Home Equity Infos 0 0.0 0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 HYBHELOC48 Rate AdvantagebrLine of Credit 0 250000.0 80 8.5 0.0 12.0 0.0 8.5 0.0 12.0 0.0 -0.5 3.0 HYBHELOC48 Rate AdvantagebrLine of Credit 0 100000.0 90 9.25 0.0 12.0 0.0 9.25 0.0 12.0 0.0 0.25 3.0 HYBHELOC48NOO Rate AdvantagebrLine of Credit Non-Owner 0 150000.0 70 8.5 0.0 9.0 0.0 8.5 0.0 9.0 0.0 -0.5 0.0 PRI3020B 30 Due in 20 Fixed Home Equity Loan1 30 250000.0 80 7.625 7.08 10.875 9.43 7.625 7.08 10.875 9.43 0.0 0.0 PRI3020B 30 Due in 20 Fixed Home Equity Loan1 30 100000.0 90 9.125 8.14 10.875 9.43 9.125 8.14 10.875 9.43 0.0 0.0 PRIHEB 7-Year Fixed Home Equity Loan 7 250000.0 80 3.5 13.44 5.25 14.25 3.5 13.44 5.25 14.25 0.0 0.0 PRIHEB 7-Year Fixed Home Equity Loan 7 100000.0 90 5.0 14.13 6.75 14.97 5.0 14.13 6.75 14.97 0.0 0.0 PRIHEB 10-Year Fixed Home Equity Loan 10 250000.0 80 6.75 11.48 10.0 13.22 6.75 11.48 10.0 13.22 0.0 0.0 PRIHEB 10-Year Fixed Home Equity Loan 10 100000.0 90 8.25 12.27 10.0 13.22 8.25 12.27 10.0 13.22 0.0 0.0 PRIHEB 15-Year Fixed Home Equity Loan 15 250000.0 80 7.0 8.99 10.25 10.9 7.0 8.99 10.25 10.9 0.0 0.0 PRIHEB 15-Year Fixed Home Equity Loan 15 100000.0 90 8.5 9.85 10.25 10.9 8.5 9.85 10.25 10.9 0.0 0.0 PRIHEBNOO 15-Year Fixed Home Equity Loan Non-Owner 15 150000.0 70 8.0 9.56 8.5 9.85 8.0 9.56 8.5 9.85 0.0 0.0 PRIHELOC66 Home Equity Line of Credit 0 250000.0 80 8.0 0.0 11.5 0.0 8.0 0.0 11.5 0.0 -0.5 3.0 PRIHELOC66 Home Equity Line of Credit 0 100000.0 90 8.75 0.0 11.5 0.0 8.75 0.0 11.5 0.0 0.25 3.0 PRIHELOC66NOO Home Equity Line of Credit Non-Owner 0 150000.0 70 8.0 0.0 8.5 0.0 8.0 0.0 8.5 0.0 -0.5 0.0 PROHELOC66 Home Equity Promo 0 250000.0 80 6.99 0.0 7.99 0.0 6.99 0.0 7.99 0.0 -0.5 0.5 PROHELOC66 Home Equity Promo 0 100000.0 90 7.74 0.0 10.49 0.0 7.74 0.0 10.49 0.0 0.25 3.0 C10 Real Estate Fixed RECODEM1C10 -1.0 6.75 6.9 11.4 0.0 C10 Real Estate Fixed RECODEP1C10 1.0 6.25 6.62 11.2 0.0 C10 Real Estate Fixed RECODEZRC10 0.0 6.5 6.65 11.3 0.0 C15 Real Estate Fixed RECODEM1C15 -1.0 6.875 6.98 8.92 0.0 C15 Real Estate Fixed RECODEP1C15 1.0 6.375 6.64 8.64 0.0 C15 Real Estate Fixed RECODEZRC15 0.0 6.625 6.73 8.78 0.0 C30 Real Estate Fixed RECODEM1C30 -1.0 7.5 7.57 6.99 0.0 C30 Real Estate Fixed RECODEP1C30 1.0 7.0 7.17 6.65 0.0 C30 Real Estate Fixed RECODEZRC30 0.0 7.25 7.32 6.82 0.0 FHA15-P Real Estate Fixed RECODEM1FHA15-P -1.0 6.75 7.82 8.85 0.0 FHA15-P Real Estate Fixed RECODEP1FHA15-P 1.0 6.25 7.63 8.58 0.0 FHA15-P Real Estate Fixed RECODEZRFHA15-P 0.0 6.5 7.73 8.72 0.0 FHA15-R Real Estate Fixed RECODEM1FHA15-R -1.0 6.875 7.62 8.92 0.0 FHA15-R Real Estate Fixed RECODEP1FHA15-R 1.0 6.375 7.43 8.65 0.0 FHA15-R Real Estate Fixed RECODEZRFHA15-R 0.0 6.625 7.53 8.78 0.0 FHA15-SR Real Estate Fixed RECODEM1FHA15-SR -1.0 6.875 7.62 8.92 0.0 FHA15-SR Real Estate Fixed RECODEP1FHA15-SR 1.0 6.375 7.43 8.65 0.0 FHA15-SR Real Estate Fixed RECODEZRFHA15-SR 0.0 6.625 7.53 8.78 0.0 FHA30-P Real Estate Fixed RECODEM1FHA30-P -1.0 7.375 8.37 6.91 0.0 FHA30-P Real Estate Fixed RECODEP1FHA30-P 1.0 6.875 8.06 6.57 0.0 FHA30-P Real Estate Fixed RECODEZRFHA30-P 0.0 7.125 8.22 6.74 0.0 FHA30-R Real Estate Fixed RECODEM1FHA30-R -1.0 7.5 8.18 7.0 0.0 FHA30-R Real Estate Fixed RECODEP1FHA30-R 1.0 7.0 7.87 6.66 0.0 FHA30-R Real Estate Fixed RECODEZRFHA30-R 0.0 7.25 8.02 6.83 0.0 FHA30-SR Real Estate Fixed RECODEM1FHA30-SR -1.0 7.5 8.18 7.0 0.0 FHA30-SR Real Estate Fixed RECODEP1FHA30-SR 1.0 7.0 7.87 6.66 0.0 FHA30-SR Real Estate Fixed RECODEZRFHA30-SR 0.0 7.25 8.02 6.83 0.0 HAP-C10 Real Estate Fixed RECODEM1HAP-C10 -1.0 6.625 6.8 11.4 0.0 HAP-C10 Real Estate Fixed RECODEP1HAP-C10 1.0 6.125 6.52 11.1 0.0 HAP-C10 Real Estate Fixed RECODEZRHAP-C10 0.0 6.375 6.54 11.2 0.0 HAP-C30 Real Estate Fixed RECODEM1HAP-C30 -1.0 7.375 7.46 6.91 0.0 HAP-C30 Real Estate Fixed RECODEP1HAP-C30 1.0 6.875 7.05 6.57 0.0 HAP-C30 Real Estate Fixed RECODEZRHAP-C30 0.0 7.125 7.2 6.74 0.0 HAP-C30-NOMI-SE Real Estate Fixed RECODEM1HAP-C30-NOMI-SE -1.0 7.5 7.57 6.99 0.0 HAP-C30-NOMI-SE Real Estate Fixed RECODEP1HAP-C30-NOMI-SE 1.0 7.0 7.17 6.65 0.0 HAP-C30-NOMI-SE Real Estate Fixed RECODEZRHAP-C30-NOMI-SE 0.0 7.25 7.32 6.82 0.0 HAP-HB-30-NOMI-SE Real Estate Fixed RECODEM1HAP-HB-30-NOMI-SE -1.0 7.625 7.69 7.08 0.0 HAP-HB-30-NOMI-SE Real Estate Fixed RECODEP1HAP-HB-30-NOMI-SE 1.0 7.125 7.29 6.74 0.0 HAP-HB-30-NOMI-SE Real Estate Fixed RECODEZRHAP-HB-30-NOMI-SE 0.0 7.375 7.44 6.91 0.0 HAP-HC15 Real Estate Fixed RECODEM1HAP-HC15 -0.5 7.0 7.13 8.99 0.0 HAP-HC15 Real Estate Fixed RECODEP1HAP-HC15 1.0 6.625 6.91 8.78 0.0 HAP-HC15 Real Estate Fixed RECODEZRHAP-HC15 0.0 6.875 7.0 8.92 0.0 HAP-HC30 Real Estate Fixed RECODEM1HAP-HC30 -0.5 7.5 7.57 6.99 0.0 HAP-HC30 Real Estate Fixed RECODEP1HAP-HC30 1.0 7.125 7.3 6.74 0.0 HAP-HC30 Real Estate Fixed RECODEZRHAP-HC30 0.0 7.375 7.45 6.91 0.0 HAP-J15 Real Estate Fixed RECODEM1HAP-J15 -1.0 7.0 7.11 8.99 0.0 HAP-J15 Real Estate Fixed RECODEP1HAP-J15 1.0 6.5 6.77 8.71 0.0 HAP-J15 Real Estate Fixed RECODEZRHAP-J15 0.0 6.75 6.86 8.85 0.0 HAP-J30 Real Estate Fixed RECODEM1HAP-J30 -1.0 7.5 7.57 6.99 0.0 HAP-J30 Real Estate Fixed RECODEP1HAP-J30 1.0 7.0 7.17 6.65 0.0 HAP-J30 Real Estate Fixed RECODEZRHAP-J30 0.0 7.25 7.32 6.82 0.0 HAP-P-NOO-15 Real Estate Fixed RECODEM1HAP-P-NOO-15 -0.5 7.25 7.3 9.13 0.0 HAP-P-NOO-15 Real Estate Fixed RECODEP1HAP-P-NOO-15 0.5 7.0 7.21 8.99 0.0 HAP-P-NOO-15 Real Estate Fixed RECODEZRHAP-P-NOO-15 0.0 7.125 7.25 9.06 0.0 HAP-P-NOO-30N15 Real Estate Fixed RECODEM1HAP-P-NOO-30N15 -0.5 8.0 8.03 7.34 775.15 HAP-P-NOO-30N15 Real Estate Fixed RECODEP1HAP-P-NOO-30N15 0.5 7.75 7.89 7.16 768.27 HAP-P-NOO-30N15 Real Estate Fixed RECODEZRHAP-P-NOO-30N15 0.0 7.875 7.96 7.25 771.73 HAP15 Real Estate Fixed RECODEM1HAP15 -1.0 6.75 6.87 8.85 0.0 HAP15 Real Estate Fixed RECODEP1HAP15 1.0 6.25 6.53 8.57 0.0 HAP15 Real Estate Fixed RECODEZRHAP15 0.0 6.5 6.62 8.71 0.0 HC15 Real Estate Fixed RECODEM1HC15 -0.5 7.125 7.21 9.06 0.0 HC15 Real Estate Fixed RECODEP1HC15 1.0 6.75 7.0 8.85 0.0 HC15 Real Estate Fixed RECODEZRHC15 0.0 7.0 7.09 8.99 0.0 HC30 Real Estate Fixed RECODEM1HC30 -0.5 7.625 7.68 7.08 0.0 HC30 Real Estate Fixed RECODEP1HC30 1.0 7.25 7.41 6.82 0.0 HC30 Real Estate Fixed RECODEZRHC30 0.0 7.5 7.56 6.99 0.0 J15 Real Estate Fixed RECODEM1J15 -1.0 7.125 7.21 9.06 0.0 J15 Real Estate Fixed RECODEP1J15 1.0 6.625 6.87 8.78 0.0 J15 Real Estate Fixed RECODEZRJ15 0.0 6.875 6.96 8.92 0.0 J30 Real Estate Fixed RECODEM1J30 -1.0 7.625 7.68 7.08 0.0 J30 Real Estate Fixed RECODEP1J30 1.0 7.125 7.28 6.74 0.0 J30 Real Estate Fixed RECODEZRJ30 0.0 7.375 7.43 6.91 0.0 P-C30-FTHB Real Estate Fixed RECODEM1P-C30-FTHB -1.0 7.375 8.02 6.91 0.0 P-C30-FTHB Real Estate Fixed RECODEP1P-C30-FTHB 1.0 6.875 7.62 6.57 0.0 P-C30-FTHB Real Estate Fixed RECODEZRP-C30-FTHB 0.0 7.125 7.77 6.74 0.0 P-HB-30-FTHB Real Estate Fixed RECODEM1P-HB-30-FTHB -1.0 7.5 8.14 6.99 0.0 P-HB-30-FTHB Real Estate Fixed RECODEP1P-HB-30-FTHB 1.0 7.0 7.74 6.65 0.0 P-HB-30-FTHB Real Estate Fixed RECODEZRP-HB-30-FTHB 0.0 7.25 7.89 6.82 0.0 P-NOO-15 Real Estate Fixed RECODEM1P-NOO-15 -0.5 7.25 7.28 9.13 0.0 P-NOO-15 Real Estate Fixed RECODEP1P-NOO-15 0.5 7.0 7.19 8.99 0.0 P-NOO-15 Real Estate Fixed RECODEZRP-NOO-15 0.0 7.125 7.23 9.06 0.0 P-NOO-30N15 Real Estate Fixed RECODEM1P-NOO-30N15 -0.5 8.0 8.02 7.34 775.15 P-NOO-30N15 Real Estate Fixed RECODEP1P-NOO-30N15 0.5 7.75 7.88 7.16 768.27 P-NOO-30N15 Real Estate Fixed RECODEZRP-NOO-30N15 0.0 7.875 7.95 7.25 771.73 10YRT-C Real Estate Adjustable RECODEZR10YRT-C 0.0 2.75 2% initial, 2% periodic, 6% lifetime 5.17 6.75 7.05 6.49 7.54 8.62 9.73 5-5-CMT Real Estate Adjustable RECODEM15-5-CMT -1.0 2.375 2% initial, 2% periodic, 6% lifetime 4.66 6.75 6.99 6.49 7.72 8.87 9.88 5-5-CMT Real Estate Adjustable RECODEP15-5-CMT 1.0 2.375 2% initial, 2% periodic, 6% lifetime 4.66 6.25 6.89 6.16 7.36 8.48 9.46 5-5-CMT Real Estate Adjustable RECODEZR5-5-CMT 0.0 2.375 2% initial, 2% periodic, 6% lifetime 4.66 6.5 6.89 6.32 7.54 8.67 9.67 5YRT-C Real Estate Adjustable RECODEZR5YRT-C 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.17 6.5 7.41 6.32 7.54 8.81 9.46 7YRT-C Real Estate Adjustable RECODEZR7YRT-C 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.17 6.625 7.25 6.4 7.56 8.76 9.37 HAP-10-1-NC Real Estate Adjustable RECODEZRHAP-10-1-NC 0.0 2.75 2% initial, 2% periodic, 6% lifetime 5.17 7.0 7.25 6.65 7.72 8.82 9.94 HAP-10-1-NC-NOMI Real Estate Adjustable RECODEZRHAP-10-1-NC-NOMI 0.0 2.75 2% initial, 2% periodic, 6% lifetime 5.17 7.125 7.34 6.74 7.81 8.92 10.05 HAP-10YRT-C Real Estate Adjustable RECODEZRHAP-10YRT-C 0.0 2.75 2% initial, 2% periodic, 6% lifetime 5.17 6.75 7.06 6.49 7.54 8.62 9.73 HAP-5-1-NC Real Estate Adjustable RECODEZRHAP-5-1-NC 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.17 6.75 7.51 6.49 7.72 9.0 9.66 HAP-5-1-NC-NOMI Real Estate Adjustable RECODEZRHAP-5-1-NC-NOMI 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.17 6.875 7.55 6.57 7.81 9.1 9.76 HAP-5-5-CMT Real Estate Adjustable RECODEM1HAP-5-5-CMT -1.0 2.375 2% initial, 2% periodic, 6% lifetime 4.66 6.75 7.0 6.49 7.72 8.87 9.88 HAP-5-5-CMT Real Estate Adjustable RECODEP1HAP-5-5-CMT 1.0 2.375 2% initial, 2% periodic, 6% lifetime 4.66 6.25 6.9 6.16 7.36 8.48 9.46 HAP-5-5-CMT Real Estate Adjustable RECODEZRHAP-5-5-CMT 0.0 2.375 2% initial, 2% periodic, 6% lifetime 4.66 6.5 6.9 6.32 7.54 8.67 9.67 HAP-5-5-NC Real Estate Adjustable RECODEZRHAP-5-5-NC 0.0 2.375 2% initial, 2% periodic, 6% lifetime 4.66 6.75 7.0 6.49 7.72 8.87 9.88 HAP-5-5-NC-NOMI Real Estate Adjustable RECODEZRHAP-5-5-NC-NOMI 0.0 2.375 2% initial, 2% periodic, 6% lifetime 4.66 6.875 7.05 6.57 7.81 8.96 9.98 HAP-5YRT-C Real Estate Adjustable RECODEZRHAP-5YRT-C 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.17 6.5 7.42 6.32 7.54 8.81 9.46 HAP-7-1-NC Real Estate Adjustable RECODEZRHAP-7-1-NC 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.17 6.875 7.4 6.57 7.74 8.96 9.57 HAP-7-1-NC-NOMI Real Estate Adjustable RECODEZRHAP-7-1-NC-NOMI 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.17 7.0 7.46 6.65 7.83 9.06 9.68 HAP-7YRT-C Real Estate Adjustable RECODEZRHAP-7YRT-C 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.17 6.625 7.26 6.4 7.56 8.76 9.37 HAP-NOPMI-ADJ10/1 Real Estate Adjustable RECODEM1HAP-NOPMI-ADJ10/1 -1.0 2.75 2% initial, 2% periodic, 6% lifetime 5.17 7.125 7.34 6.74 7.81 8.92 10.05 HAP-NOPMI-ADJ10/1 Real Estate Adjustable RECODEP1HAP-NOPMI-ADJ10/1 1.0 2.75 2% initial, 2% periodic, 6% lifetime 5.17 6.625 7.05 6.4 7.45 8.52 9.62 HAP-NOPMI-ADJ10/1 Real Estate Adjustable RECODEZRHAP-NOPMI-ADJ10/1 0.0 2.75 2% initial, 2% periodic, 6% lifetime 5.17 6.875 7.15 6.57 7.63 8.72 9.84 HAP-NOPMI-ADJ5/1 Real Estate Adjustable RECODEM1HAP-NOPMI-ADJ5/1 -1.0 2.75 2% initial, 2% periodic, 5% lifetime 5.17 6.875 7.55 6.57 7.81 9.1 9.76 HAP-NOPMI-ADJ5/1 Real Estate Adjustable RECODEP1HAP-NOPMI-ADJ5/1 1.0 2.75 2% initial, 2% periodic, 5% lifetime 5.17 6.375 7.46 6.24 7.45 8.71 9.36 HAP-NOPMI-ADJ5/1 Real Estate Adjustable RECODEZRHAP-NOPMI-ADJ5/1 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.17 6.625 7.46 6.4 7.63 8.91 9.56 HAP-NOPMI-ADJ5/5 Real Estate Adjustable RECODEM1HAP-NOPMI-ADJ5/5 -1.0 2.375 2% initial, 2% periodic, 6% lifetime 4.66 6.875 7.04 6.57 7.81 8.96 9.98 HAP-NOPMI-ADJ5/5 Real Estate Adjustable RECODEP1HAP-NOPMI-ADJ5/5 1.0 2.375 2% initial, 2% periodic, 6% lifetime 4.66 6.375 6.94 6.24 7.45 8.57 9.56 HAP-NOPMI-ADJ5/5 Real Estate Adjustable RECODEZRHAP-NOPMI-ADJ5/5 0.0 2.375 2% initial, 2% periodic, 6% lifetime 4.66 6.625 6.94 6.4 7.63 8.77 9.77 HAP-NOPMI-ADJ7/1 Real Estate Adjustable RECODEM1HAP-NOPMI-ADJ7/1 -1.0 2.75 2% initial, 2% periodic, 5% lifetime 5.17 7.0 7.61 6.65 7.83 9.06 9.68 HAP-NOPMI-ADJ7/1 Real Estate Adjustable RECODEP1HAP-NOPMI-ADJ7/1 1.0 2.75 2% initial, 2% periodic, 5% lifetime 5.17 6.5 7.51 6.32 7.47 8.66 9.27 HAP-NOPMI-ADJ7/1 Real Estate Adjustable RECODEZRHAP-NOPMI-ADJ7/1 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.17 6.75 7.51 6.49 7.65 8.86 9.47 NOPMI-ADJ10/1 Real Estate Adjustable RECODEM1NOPMI-ADJ10/1 -1.0 2.75 2% initial, 2% periodic, 6% lifetime 5.17 7.125 7.33 6.74 7.81 8.92 10.05 NOPMI-ADJ10/1 Real Estate Adjustable RECODEP1NOPMI-ADJ10/1 1.0 2.75 2% initial, 2% periodic, 6% lifetime 5.17 6.625 7.05 6.4 7.45 8.52 9.62 NOPMI-ADJ10/1 Real Estate Adjustable RECODEZRNOPMI-ADJ10/1 0.0 2.75 2% initial, 2% periodic, 6% lifetime 5.17 6.875 7.14 6.57 7.63 8.72 9.84 NOPMI-ADJ5/1 Real Estate Adjustable RECODEM1NOPMI-ADJ5/1 -1.0 2.75 2% initial, 2% periodic, 5% lifetime 5.17 6.875 7.55 6.57 7.81 9.1 9.76 NOPMI-ADJ5/1 Real Estate Adjustable RECODEP1NOPMI-ADJ5/1 1.0 2.75 2% initial, 2% periodic, 5% lifetime 5.17 6.375 7.45 6.24 7.45 8.71 9.36 NOPMI-ADJ5/1 Real Estate Adjustable RECODEZRNOPMI-ADJ5/1 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.17 6.625 7.45 6.4 7.63 8.91 9.56 NOPMI-ADJ5/5 Real Estate Adjustable RECODEM1NOPMI-ADJ5/5 -1.0 2.375 2% initial, 2% periodic, 6% lifetime 4.66 6.875 7.04 6.57 7.81 8.96 9.98 NOPMI-ADJ5/5 Real Estate Adjustable RECODEP1NOPMI-ADJ5/5 1.0 2.375 2% initial, 2% periodic, 6% lifetime 4.66 6.375 6.94 6.24 7.45 8.57 9.56 NOPMI-ADJ5/5 Real Estate Adjustable RECODEZRNOPMI-ADJ5/5 0.0 2.375 2% initial, 2% periodic, 6% lifetime 4.66 6.625 6.94 6.4 7.63 8.77 9.77 NOPMI-ADJ7/1 Real Estate Adjustable RECODEM1NOPMI-ADJ7/1 -1.0 2.75 2% initial, 2% periodic, 5% lifetime 5.17 7.0 7.45 6.65 7.83 9.06 9.68 NOPMI-ADJ7/1 Real Estate Adjustable RECODEP1NOPMI-ADJ7/1 1.0 2.75 2% initial, 2% periodic, 5% lifetime 5.17 6.5 7.28 6.32 7.47 8.66 9.27 NOPMI-ADJ7/1 Real Estate Adjustable RECODEZRNOPMI-ADJ7/1 0.0 2.75 2% initial, 2% periodic, 5% lifetime 5.17 6.75 7.32 6.49 7.65 8.86 9.47

Disclosures

APR = Annual Percentage Rate. All loans subject to approval.

The interest rates and APRs listed above are effective as of MM/DD/YYYY and are subject to change without notice. The pricing you may qualify for is based on factors including your credit rating and loan-to-value (LTV) of your property. A minimum credit qualifying score is required. Adjustable-rate home loans; rate and payment subject to change after loan consummation.

Limits apply to the length of rate locks offered and rate locks may not cover the entire period between credit approval and closing in all cases. See our Rate Lock Information for terms and conditions.
Programs available with no PMI with increases applied to interest rate/APR; loan-to-value range from 80.01% - 95%; minimum down payment of 5%; eligible properties are primary residence single-family homes and condominiums; condominium subject to additional rate adjustment. Please contact a real estate loan consultant for details.
If the loan is paid in full prior to the 36th regularly scheduled payment, you will be obligated to reimburse SchoolsFirst FCU for a prorated amount of closing costs paid on your behalf. This amount will be added to the loan payoff balance.

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