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TERMINTEREST RATEAPR
30 Year Conventional Fixed Rate* 6.500% 6.633%
20 Year Conventional Fixed Rate** 6.125% 6.299%
15 Year Conventional Fixed Rate*** 5.75% 5.965%
10 Year Conventional Fixed Rate**** 5.50% 5.804%
7 Year Conventional Fixed Rate***** 5.00% 5.411%
30 Year 5/1 Conventional Adjustable Rate****** 5.00% 6.985%
First Time Home Buyer 30 Year Conventional Fixed Rate******* 7.00% 7.138%
First Time Home Buyer 15 Year Conventional Fixed Rate******** 6.25% 6.468%
30 Year FHA********* 6.125% 7.306%
30 Year VA********** 6.125% 6.544%
Rural Housing USDA*********** 6.125% 6.776%
Home Equity Line of Credit************
(Variable based upon Wall Street Journal Prime, maximum rate 18%. Closing costs range between $0 and $3,000. $0 closing costs as long as initial advance is $10,000 or greater. Contact a representative for additional details.)
7.25% 7.25%

All Rates as of December 9, 2024.  Rates are subject to change at any time without notice.  Rates are locked for 60 days maximum from date of application approval. Other loan programs are available such as our 3/1 Adjustable Rate, and Jumbo loans.  FHA loans require 3.5% down.  Conventional loans require 5% down. Mortgage insurance required on loans greater than 90% loan-to-value, excluding first time home buyers.  This is not an offer of credit and is subject to the terms and conditions of Family Security Credit Union, not all borrowers will qualify, subject to approval and underwriting standards, restrictions may apply.

APR - Annual Percentage Rate.  APR based on program availability and subject to change at any time.  Rates are for purchases and refinances $150,000.00 and greater, conventional limits of $425,000.00. No cash out.  Your actual rate may be different, as many factors go into providing you with a mortgage loan.  Loans must be secured by a dwelling. 

*Example: $150,000.00, 30 years Conv, 6.633%~ = $948.10 monthly payment (Principal and Interest only)
**Example: $150,000.00, 20 years Conv, 6.299%~ = $1,085.49 monthly payment (Principal and Interest only)
***Example: $150,000.00, 15 years Conv, 5.965%~ = $1,245.62 monthly payment (Principal and Interest only)
****Example: $150,000.00, 10 years Conv, 5.804%~ = $1,627.89 monthly payment (Principal and Interest only)
*****Example: $150,000.00, 7 years Conv, 5.411%~ = $2,120.09 monthly payment (Principal and Interest only)
******Example: $150,000.00, 5/1 years Conv, 6.985%~ = $805.21 monthly payment (Principal and Interest only)
*******Example: $150,000.00, First Time Home Buyer 30 year Conv, 7.138%~ = $997.95 monthly payment (Principal and Interest only)
********Example: $150,000.00, First Time Home Buyer 15 years Conv, 6.468%~ = $1,286.13 monthly payment (Principal and Interest only)
*********Example:  $150,000.00, 30 years FHA, 7.306%~ = $894.91 monthly payment (Principal and Interest only)
**********Example:  $150,000.00, 30 years  VA, 6.544%~ = $932.38 monthly payment (Principal and Interest only)
***********Example: $150,000.00, 30 years  USDA, 6.776%~ = $920.62 monthly payment (Principal and Interest only)
************Example: $25,000.00, Home Equity Line of Credit 7.25%~= $375.00 monthly payment (Principal and Interest only)