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Fixed-Rate vs. Adjustable Rate Mortgage

Interest Rates
Terms
Benefits and Features
Best Product If You
Fixed
Variable
10, 15, 20 or 30 years
30-year with initial fixed rate period of 1, 3, 5, 7 or 10 years

Interest rate and payment remains the same for the entire term of the loan (not including tax and ins)

No pre-payment penalties

Flexibility of loan term options

Lower rate and monthly payments for the initial fixed term, with guaranteed maximum life rate cap

No pre-payment penalties

Specialized 5/5 ARM and I/O products available

Plan to stay in your home for more than 10+ years
Intend to stay in your home shorter period, such as 1 -10 years

Home Buying Process

home buying steps

Home Loan Services

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Manage Existing Loan
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Check Home Loan Application Status
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Home Loan Calculator
See rates and calculate payments for a variety of mortgage options. Mortgage Calculator

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Mortgage Loan Officer

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Home Insurance Agent

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Home Loans
First time home buyers
From application to closing, Mortgage Loan Officers will guide you through every step of the lending process. There's no question too big or too small; too complicated or too easy.  Read More
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Preparing to borrow
As your credit union, we're here to help serve your financial needs, and that includes helping you borrow money. We're also here to help you build a strong financial future. Read More