Welcome > Rates and Calculators > Mortgage Rates

Mortgage Rates

Program	Term	Interest Rate	Points	APR	Monthly Payments per $1000 borrowed
Mortgages* (Effective: Wednesday, September 08, 2010)
Fixed Rate Mortgages*	15 years	3.875%	0	3.967%	$7.34
	20 years	4.375%	0	4.448%	$6.26
	30 years	4.500%	0	4.553%	$5.07

Adjustable Rate Mortgage,*	1 year	3.625%	0	3.097%	$4.56
	3 years	3.625%	0	3.186%	$4.56
	5 years	3.750%	0	3.312%	$4.64

10 Year Fixed Rate Mortgage Special***	10 years			3.750%	$10.01
The interest rates, annual percentage rates (APRs), discount points and rebates shown are subject to change without notice. The monthly amount shown includes principal, interest, and mortgage insurance, if required. Your actual monthly payment will be higher if an escrow/impound account is established or required. Your APR will vary based on your final loan amount and finance charges. Special information for all adjustable rate mortgages: The initial interest rate is a premium rate and will remain in effect for the initial term. After the initial term, the APR, interest rate and principal and interest payment are subject to change and may increase due to market driven changes to the index. **Annual Percentage Rate (APR) is effective 8/30/2010 and is subject to change. Rate requires 680+ credit score, and an “active” WCCU checking account. “Active” checking requires 6 transactions per month and direct deposit. Maximum loan-to-value 80%. Payments per $1,000 borrowed would be: 10 years at $10.01. Minimum loan $30,000. Maximum loan $350,000. Requires First Lien Position. No cash out. Not available for new purchases. Without “active” checking rate would be 4.250% APR. Other rates and terms available. Other restrictions may apply.