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Routing # 211885946

Home Loan Rates

Today's Rates

Adjustable Rate Mortgage (ARM) Rates
Term Initial Interest Rate Period Initial Interest Rate ARM APR
5/1   ARM 5  Years 6.990% 7.513%
7/1   ARM 7   Years 7.125% 7.516%
10/1 ARM 10 Years 7.375% 7.624%

Adjustable Rate Mortgage (ARM) Disclosures

Payments do not include amounts for tax and insurance premiums (including flood insurance), if applicable, and the actual payment obligation may be greater

Maximum 95% LTV for purchases
PMI will be required over 80% LTV

Adjustable rate mortgages use the 5 Year Treasury Constant Maturity as the index, caps 2% and 6% and a floor of 2.75%

5/1 ARM has an interest rate that is initially fixed for five years then adjusts annually thereafter

7/1 ARM has an interest rate that is initially fixed for seven years then adjusts annually thereafter

10/1 ARM has an interest rate that is initially fixed for seven years then adjusts annually thereafter

No point Adjustable-Rate Mortgage payment based on $150,000.00 at 7.513% APR for 30 years is $996.95 (Monthly payments shown do not include real estate taxes, PMI (Private Mortgage Insurance) or homeowners insurance. A rate lock fee will apply. Up to 95% LTV.

Mortgage
15 Years  current rate  
20 Years  current rate  
25 Years  current rate  
30 Years  current rate  

Monthly payments shown do not include real estate taxes, PMI (Private Mortgage Insurance) or homeowners’ insurance. A rate lock fee will apply. Up to 95% LTV.

Home Equity Loan 
Term 80% LTV² APR¹ 100% LTV² APR¹
5 Years 6.990% 7.990%
10 Years 7.125% 8.125%
15 Years 7.375% 8.375%
20 Years 7.625% 8.625%

If your loan is paid off within three years of the closing date, you will reimburse credit union for closing costs paid on your behalf. Property insurance is required and is not included in closing costs. Other rates and terms available. Offer may be discontinued or changed at any time. Not all applicants will qualify.

80% LTV - Homeowner’s insurance is required. No closing costs, borrower responsible for recording fees. A fixed Home Equity Loan payment based on $10,000 at 6.990% APR for 5 years is $197.99

100% LTV - Homeowner’s insurance is required. No closing costs. If your loan is paid off within the first three years of the closing date, you will reimburse the Credit Union for amounts paid on your behalf. A fixed Home Equity Loan payment based on $10,000 at 7.990% APR for 5 years is $202.74

²LTV= loan-to-value.

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Home Equity Lines of Credit 80% LTV
Term Min Loan Amt WSJ Prime Rate
10 Year Line/10 Year Repayment $10,000 Prime Rate 8.50%

The rate will vary based on the highest prime rate published in the Wall Street Journal with a floor rate of 3.00% APR and a maximum rate of 18% APR. Homeowners insurance is required. No closing costs. If your loan is paid off within the first three years of the closing date, you will reimburse the Credit Union for amounts paid on your behalf. Additional terms and conditions apply. Member responsible for recording fees

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Home Equity Lines of Credit 100% LTV
Term Min Loan Amt WSJ Prime Rate 
10 Year Line/10 Year Repayment $10,000 Prime Rate Plus 1.00%

The rate will vary based on the highest prime rate published in the Wall Street Journal with a floor rate of 4.00% APR and a maximum rate of 18% APR. Homeowners insurance is required. No closing costs. If your loan is paid off within the first three years of the closing date, you will reimburse the Credit Union for amounts paid on your behalf. Additional terms and conditions apply. Member responsible for recording fees.

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MassSave Energy Loan
Term APR¹
Up to 84 Months 0%

*Annual Percentage Rate (APR). Monthly payment example $5,000.00 loan at 0.00% APR = $59.52 for 84 months. Maximum unsecured loan amount $50,000.00. Subject to Mass Save Heat Loan Program guidelines and credit approval. For Massachusetts residents only. Additional terms and conditions may apply. Visit MassSave.com/HEATLoan or call 1-866-527-SAVE (7283) for details and to learn more about the program. 

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Home Improvement Loan
Term Rates as low as APR¹
Up to 84 Months 9.50%

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*Annual Percentage Rate (APR) payment example of maximum loan amount $25,000 at 9.50% APR for 84 months is $408.26. Actual payment may vary. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation will be greater. Offer based on creditworthiness and may be discontinued or changed at any time. Additional terms and conditions apply.

¹APR=Annual Percentage Rate

Loan rates are based on members with the best credit profile. All rates are subject to change at any time without notice. Other rates and terms available. Offer may be discontinued or changed at any time. Not all applicants will qualify.