Mortgage Loans • Purchase

Mortgage Rate Terms Benefits

5/5 ARM

Rate: 2.875%
APR: 2.982%

  • 30-year adjustable
  • Initial fixed rate for five years
  • Rate adjusts every five years thereafter
  • Best for home buyers who plan to stay in the property 10 years or less or seeking a loan amount above $424,100.
  • Lower monthly payments for the first five years.
  • No pre-payment penalty.
  • Loan amounts up to $1,000,000.
  • View rate and payment example.

6/5 ARM
First-Time Home Buyers

  • 30-year adjustable
  • Initial fixed rate for six years
  • Rate adjusts every six years thereafter
  • Best for first-time home buyers, or those who haven't owned a home in three years, and are looking for a loan amount $250,000 or less and who plan to stay in the property 12 years or less.
  • Lower monthly payment because the credit union will pay for the private mortgage insurance.
  • No pre-payment penalties.
  • Loan amounts up to $250,000.
  • View rate and payment example.

Fixed Rate

  • 7-year
  • 10-year
  • 15-year
  • 20-year
  • 30-year
  • Best for home buyers that plan to stay in their home for many years.
  • Interest rate and monthly payment remains stable for the length of the loan.
  • No pre-payment penalty.
  • Variety of terms available.
  • Loan amounts to $424,100.
  • View rate and payment example.


  • 7-year fixed
  • 10-year fixed
  • 15-year fixed
  • 5/5 adjustable
  • 15/15 adjustable
  • Best for home buyers with a loan amount above $424,100 for a primary residence.
  • Allows you to purchase a more expensive property.
  • Loan amounts up to $1,000,000.
  • No pre-payment penalty.
  • View rate and payment example.

AmeriCU Government Loans

View Learn More
  • Best for home buyers looking to get one of the following government loans.
  • FHA
  • 203K
  • VA
  • RD (Rural Development)


Error Resolution And Information Request Policy Revision

The Consumer Financial Protection Bureau (CFPB) has revised their Error Resolution and Information Request Policy for members who would like to address an error with their mortgage or home equity loan account. Learn More.


Rates are subject to change based on market condition. Maximum 95% combined loan-to-value on limited cash-out refinance mortgage loans and purchase loans. Maximum 80% combined loan-to-value percentage on cash-out refinance mortgage loans. Offer available in the states of Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee. Terms may change at any time. NMLS #401922.

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