Mortgage Rates

Fixed Rate Mortgages	Up to 90% LTV	80% LTV
15-year fixed rate & 15-year amortization	3.25%	3.00%
10-year fixed rate & 10-year amortization	2.99%	2.99%
*Origination fee may be up to 1.00% on 15 year loans. There are no origination fees on 10-year fixed mortgages.

Adjustable Rate Mortgages	Up to 90% LTV	80% LTV
30-Year Amortization – 15/1 ARM	3.25%	3.00%
30-Year Amortization – 10/1 ARM	3.25%	3.00%
30-Year Amortization -7/1 ARM	3.00%	2.75%
15-Year Amortization -7/1 ARM	3.00%	2.75%
30-YearAmortization -5/1 ARM	2.75%	2.50%
15-Year Amortization -5/1 ARM	2.75%	2.50%
30-Year Amortization – 3/1 ARM	2.50%	2.50%
15-Year Amortization – 3/1 ARM	2.50%	2.50%
*Origination fee may be up to 1.0%

Home Equity Lines of Credit	LTV
Interest Only Payment	up to 90%	As low as 4.00%
No closing costs with loan advance of $15,000 or higher; with the exception being if a home appraisal required. Rate reflected is the minimum. Depending on the loan-to-value, your rate may be higher. *Closing costs must be paid by the member if the loan is paid in full or the principal balance is below 75% of the initial advance within one year of the loan date.

Land & Investment Loans	Up to 80% LTV
15-year Amortization 7/1 ARM	4.75%
15-year Amortization 5/1 ARM	4.50%
15-year Amortization 3/1 ARM	4.20%
10-year fixed rate	4.99%
15-year fixed rate	5.25%

LTV = Loan to Value

Updated as of 5/10/2022