Skip NavigationSkip to Online BankingSkip to Accessible Content

No Closing Costs,
No Points,
No Fees,
No Bull

Refi your mortgage loan

Apply Now

Mortgage Types

Swipe through our available mortgage options.

Calculators and Resources

Get the answers to your mortgage questions.

Home Valuations

Rates

Fixed and variable rates to meet your needs.

Mortgage Loan Rates

APR* as low as

10-Year Mortgage1

10 Years

Apply Now

4.250%

Fixed

15-Year Mortgage1

15 Year

Apply Now

4.650%

Fixed

20-Year Mortgage1

20 Year

Apply Now

4.990%

Fixed

30-Year Mortgage

30 Years

Apply Now

View Rate

Fixed

Adjustable Rate Mortgages

30 Years

Apply Now

View Rate

Adjustable

Construction Loan

30 Years

Apply Now

View Rate

Fixed

FHA (Federal Housing Admin.)

30 Years

Apply Now

View Rate

Fixed

Home Possible

30 Years

Apply Now

View Rate

Fixed

HomeReady

30 Years

Apply Now

View Rate

Fixed

Jumbo

30 Years

Apply Now

View Rate

Fixed

RD (Rural Development)

30 Years

Apply Now

View Rate

Fixed

Super Conforming

30 Years

Apply Now

View Rate

Fixed

VA (Veterans Admin.)

30 Years

Apply Now

View Rate

Fixed

View Rate Sheet

1. If a full appraisal is required by the credit union, the borrower will be responsible for this fee. The no cost program is only available one time per member and not available when refinancing an existing credit union loan.

This is a fixed rate available to qualified borrowers on a 10-, 15-, or 20-year term. Maximum 80% Loan-to-Value required. Minimum financing of $50,000. Mortgage loan proceeds may not be used to refinance existing Members 1st Credit Union loans. No early payoff penalties. The property must be a single family residence that is owner occupied (no rentals or investment properties). The Credit Union will not lend on mobile homes, manufactured homes, condos, or duplexes.

Example: A 10 year (120 month) 1st Mortgage of $100,000 at 4.25% APR, would require 119 monthly payments at $1024.64 with one final payment of $1023.63.

Example: A 15 year (180 month) 1st Mortgage of $100,000 at 4.50% APR, would require 179 monthly payments at $765.02 with one final payment of $764.62.

Example: A 20 year (240 month) 1st Mortgage of $100,000 at 4.75% APR, would require 239 monthly payments at $646.49 with one final payment of $645.81.

Example: A 30 year (360 month) 1st Mortgage of $100,000 at 4.93% APR, would require 359 monthly payments at $532.79 with one final payment of $526.23

Apply now or speak with one of our loan officers at (800) 303-3838.