Mortgage and Home Equity Resources

*Annual Percentage Rate (APR) shown is the lowest rate offered.

Rates shown above are for Owner Occupied 1-4 units only. Your actual rate will depend on various factors, including, loan product, loan amount, credit score, property value, and other factors. Rates are subject to change without notice.

Estimated payments above do not include amounts to be held in escrow for real estate taxes and insurance premiums, including mortgage insurance (if applicable). Your actual payment obligation may be greater. Escrow for real estate taxes may be required. Property insurance is required, and flood insurance may be required.  

Rates shown are quoted on loans with a loan amount of $200,000, with 20% down, and a minimum credit score of 760. Your rate and APR may be higher. Rates may be subject to risk-based adjustments called ‘Loan Level Pricing Adjustments’ (LLPA) as defined by the most recent Fannie Mae or Internal LLPA matrix.

*Annual Percentage Rate (APR). Rates are based on an evaluation of credit history and CLTV (combined loan to value) ratio, so your rate may differ. Loan subject to underwriting qualifications. All rates, terms, conditions, and promotions are subject to change without notice. The rates above reflect a 70% loan to value. HELOC (Home Equity Line of Credit) loans greater than 70% loan to value have certain restrictions, please contact a loan officer for further details. Special fixed APR for first 12 months, then adjusted monthly. APR using current index and margin would be 5.50% or higher. After the fixed rate introductory period, the rate is variable, based on the Wall Street Journal Prime Rate plus a margin as low as 0% (based on credit rating) and subject to change at any time. Prime Rate as of 12/18/2024 is 7.50%. The floor rate is equal to prime plus margin (based on credit history) at time of closing after promotional period; with a maximum annual percentage rate of 18.00%. HRCU will pay up to $250 of the following closing costs on new Equity Loan applications (Fixed Rate and Lines of Credit): flood determination fee, title search fee, credit report fee, recording fees, and an AVM (Automated Valuation Model). The offer excludes the following fees: appraisal fee, lenders title insurance and any additional fees associated with properties held in a trust. For loan amounts up to $500,000, closing costs that members pay could range between $150 and $1,200. Closing costs depend on property location, property type, and amount of the Equity Loan. Applicant is responsible for any closing costs over and above $250 and payment is required at the time of loan closing. Only available for primary residence. HRCU must be in first or second lien position; and home is not listed for sale. Minimum loan amount of $20,000, with $250 minimum advances; maximum loan amount of $500,000. Homeowner insurance required; Flood insurance may be required. Loan must be new to HRCU, existing loans are not eligible for this promotion. Limited Time Offer.