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Fixed-Rate vs. Adjustable Rate Mortgage

Interest Rates
Benefits and Features
Best Product If You
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
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Get prequalified

Take the first step to your home dreams by seeing how much you can borrow and getting prequalified. Prequalification can give you a leg up in a competitive market, and can ease your mind when taking on the task of financing a home. 

Important things to understand before getting started:

  • An application is a formal request for a loan.
  • A prequalification is a request for "a preliminary determination" on the amount the requestor would likely qualify for, and how much that credit would likely be.  A prequalification is not a loan.

Request Prequalification

Mortgage Calculators

How much can I borrow?

How much will my mortgage payments be?

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Home Buying Process

home buying steps

Home Loan Services

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Manage Existing Loan
Looking for details on your current mortgage? Look no further. Read More
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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 Calculators

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Mortgage Loan Officer

Get the answers to all your questions by speaking to one of our Home Loan Officers

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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