Borrowing Rates

¹Applies 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. ²The displayed rate includes a 0.25% relationship discount. This discount applies to eligible loans that are set up with automatic payments from a Mutual Checking or Mutual Interest Checking account. Full discount details are provided in the Loan Options Disclosure. ³Annual percentage rate. ⁴These payments do not include amounts for property taxes, homeowners insurance, Private Mortgage Insurance and/or Homeowners/Condo Association fees. If applicable, the actual payment obligation will be greater. 

²The displayed rate includes a 0.25% relationship discount. This discount applies to eligible loans that are set up with automatic payments from a Mutual Checking or Mutual Interest Checking account. Full discount details are provided in the Loan Options Disclosure. ³Annual percentage rate. ⁵Applies 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. ⁶These payments do not include amounts for property taxes, homeowners insurance, Private Mortgage Insurance and/or Homeowners/Condo Association fees. If applicable, the actual payment obligation will be greater. 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. 

⁷Rate adjusts monthly equal to the Prime Rate as published in the Wall Street Journal plus 0.50%. As of December 11, 2025, the Prime Rate is 6.75%. Maximum APR is 11.00%. 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. A re-write fee of $495 will be imposed if the HELOC is refinanced within 12 months of origination. Interest rate quoted above is based on certain terms and conditions. Call for details.