Mortgage Rates
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Rates Effective as of January 27th, 2023
Fixed-Rate Mortgage Rates
| Term | Rate | APR* |
|---|---|---|
| 10 Year | 5.000% | 5.188% |
| 15 Year | 5.375% | 5.509% |
| 20 Year | 5.675% | 5.782% |
| 30 Year | 5.875% | 5.956% |
For Jumbo Loans of $647,200.01 and greater add 1/4%. Maximum loan amount – $700,000. APR based on loan amount of $165,000.
*APR = Annual Percentage Rate. The rate is based on approved credit, direct payment from a SFCU account, and is subject to change without notice. Refinancing existing SFCU loans excluded. Minimum $5.00 deposit account required. This offer may be withdrawn at any time. Other restrictions may apply. Other terms and rates may apply based on the credit worthiness of the borrower and alternative payment sources.
First-Time Homebuyer Rates
| Term | Rate | APR* |
|---|---|---|
| 10 Year | 5.125% | 5.125% |
| 15 Year | 5.500% | 5.500% |
| 20 Year | 5.800% | 5.800% |
| 30 Year | 6.000% | 6.000% |
For Jumbo Loans of $647,200.01 and greater add 1/4%. Maximum loan amount – $700,000. APR based on loan amount of $165,000.
*APR = Annual Percentage Rate. The rate is based on approved credit, direct payment from a SFCU account, and is subject to change without notice. Refinancing existing SFCU loans excluded. Minimum $5.00 deposit account required. This offer may be withdrawn at any time. Other restrictions may apply. Other terms and rates may apply based on the credit worthiness of the borrower and alternative payment sources.
Fixed-Rate Construction Mortgage Rates
| Term | Rate | APR* |
|---|---|---|
| 10 Year | 5.125% | 5.809% |
| 15 Year | 5.500% | 6.018% |
| 20 Year | 5.800% | 6.236% |
| 30 Year | 6.000% | 6.341% |
For Jumbo Loans of $647,200.01 and greater add 1/4%. Maximum loan amount – $700,000. APR based on loan amount of $165,000.
*APR = Annual Percentage Rate. The rate is based on approved credit, direct payment from a SFCU account, and is subject to change without notice. Refinancing existing SFCU loans excluded. Minimum $5.00 deposit account required. This offer may be withdrawn at any time. Other restrictions may apply. Other terms and rates may apply based on the credit worthiness of the borrower and alternative payment sources.
Adjustable-Rate Mortgage Rates
| Term | Rate | APR* |
|---|---|---|
| 1/1 | 4.125% | 7.239% |
| 3/1 | 4.250% | 6.736% |
| 5/1 | 4.375% | 6.358% |
APR based on $165,000. 2% per year & 6% life of loan cap.
*APR = Annual Percentage Rate. The rate is based on approved credit, direct payment from a SFCU account, and is subject to change without notice. Refinancing existing SFCU loans excluded. Minimum $5.00 deposit account required. This offer may be withdrawn at any time. Other restrictions may apply. Other terms and rates may apply based on the credit worthiness of the borrower and alternative payment sources.
Miracle Melting Mortgage Rates
| Term | Rate | APR* |
|---|---|---|
| 1-7 Years | 4.875% | 5.135% |
| 8-10 Years | 5.375% | 5.565% |
| 11-15 Years | 5.675% | 5.810% |
Valid for refinancing transactions and home purchases of owner-occupied, 1-4 family homes. Offer available for loans up to 70% AVM (automated valuation model), with a minimum loan amount of $25,000 and a maximum loan amount of $250,000. APR based on loan amount of $165,000.
*APR = Annual Percentage Rate. The rate is based on approved credit, direct payment from a SFCU account, and is subject to change without notice. Refinancing existing SFCU loans excluded. Minimum $5.00 deposit account required. This offer may be withdrawn at any time. Other restrictions may apply. Other terms and rates may apply based on the credit worthiness of the borrower and alternative payment sources.