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Westerly Community Credit Union Rates

At Westerly Community Credit Union, you’ll find we have the great deposit, loan & home financing rates you need to reach all of your financial goals!

Mortgage Rates

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Mortgages
Effective Date: Wednesday, October 16th, 2019
ProgramTermInterest RateAPR*Monthly Payments per $1000 borrowed
Fixed Rate Mortgages*
(Loan amounts up to $484,350)
  15 years 3.125% 3.240% $6.97
  20 years 3.625% 3.716% $5.87
  30 years 3.750% 3.815% $4.64
Adjustable Rate Mortgages
5/1 Mortgage**
  30 years 3.750% 3.827% $4.64
7/1 First Time Homebuyer Mortgage***
  30 years 3.875% 3.952% $4.71

*The interest rates, annual percentage rates (APRs) and discount points are subject to change without notice. APR is based on 40% equity and credit score of 740 or greater. Your APR will vary based on your final loan amount and finance charges. All Mortgage rates listed are based on 0 discount points. The monthly amount shown includes principal and interest. Your actual monthly payment will be higher if an escrow/impound account is established. Property insurance (and flood insurance if applicable) required. **After the initial term of five years, the APR, interest rate, principal and interest payment will adjust based on market driven changes to the U.S. One Year Constant Treasury Rate – the “index” plus 2.75% - the “margin.” The maximum increase per adjustment period is 2% with a lifetime cap of 6%. Other restrictions may apply. ***After the initial term of seven years, the APR, interest rate, principal and interest payment will adjust based on market driven changes to the U.S. One Year Constant Treasury Rate – the “index” plus 2.75% - the “margin.” The maximum increase per adjustment period is 2% with a lifetime cap of 6%. Requires a minimum credit score of 720 with loan maximum of $484,350. Other restrictions may apply. WCCU NMLS ID # 518892.

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