Loan Rates

All Rates as of October 31, 2025. Rates are subject to change at any time without notice. APR - Annual Percentage Rate. All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term.

Loan examples for the above advertised loan types:

* $30,000.00 at 5.54% APR for 36 months = $906.37 per month.

** $30,000.00 at 5.54% APR for 48 months = $6.98.22 per month.

*** $30,000.00 at 5.54 APR for 60 months = $5.73.58 per month.

**** $30,000.00 at 5.80% APR for 72 months = $494.36 per month.

*****$35,000.00 at 6.54% APR for 84 months = $520.42 per month.

^ $30,000.00 at 6.54% APR for 36 months = $919.96 per month.

^^ $30,000.00 at 6.54% APR for 48 months = $711.98 per month.

^^^ $30,000.00 at 6.54% APR for 60 months = $587.54 per month.

^^^^ $30,000.00 at 6.80% APR for 72 months = $508.59 per month.

All Rates as of October 31, 2025. Rates are subject to change at any time without notice. APR - Annual Percentage Rate. All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term.

Loan examples for the above advertised loan types:

* $30,000.00 at 5.54% APR for 36 months = $906.37 per month.

** $30,000.00 at 5.54% APR for 48 months = $6.98.22 per month.

*** $30,000.00 at 5.54 APR for 60 months = $5.73.58 per month.

**** $30,000.00 at 5.80% APR for 72 months = $494.36 per month.

*****$35,000.00 at 6.54% APR for 84 months = $520.42 per month.

^ $30,000.00 at 6.54% APR for 36 months = $919.96 per month.

^^ $30,000.00 at 6.54% APR for 48 months = $711.98 per month.

^^^ $30,000.00 at 6.54% APR for 60 months = $587.54 per month.

^^^^ $30,000.00 at 6.80% APR for 72 months = $508.59 per month.

All Rates as of November 13, 2025.  Rates are subject to change at any time without notice.  Rates are locked for 60 days maximum from date of application approval. 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.  No cash out on purchases.  Your actual rate may be different, as many factors go into providing you with a mortgage loan.  Loans must be secured by a dwelling. Payment examples do not include taxes and insurance and actual payment obligations will be greater. 

ARM loans are variable rate loans; interest rates and payments my increase after consummation.   For Examples:  5/1 ARM with a term of 30 years for $150,000 with an ARM of 5.863%, Initial Interest Rate of 4.50%, your monthly payments for years 1-5 would be $760.03, and for years 6-30 monthly payments would be $760.00-$1,276.00 (based on the current Index Plus Margin.) Monthly payments do not include taxes and insurance and the actual payment obligation will be greater.

*Example: $150,000.00, 30 years Conv, 6.07%~ = $8.99.33 monthly payment (Principal and Interest only)
**Example: $150,000.00, 20 years Conv, 5.69%~ = $1,042.45 monthly payment (Principal and Interest only)
***Example: $150,000.00, 15 years Conv, 5.36%~ = $1,205.82 monthly payment (Principal and Interest only)
****Example: $150,000.00, 10 years Conv, 5.15%~ = $1,590.98 monthly payment (Principal and Interest only)
*****Example: $150,000.00, 7 years Conv, 4.71%~ = $2,085.02 monthly payment (Principal and Interest only)
******Example: $150,000.00, 5/1 years Conv, 5.86%~ = $760.03 monthly payment (Principal and Interest only) 
*******Example: $150,000.00, First Time Home Buyer 30 year Conv, 6.57%~ = $948.10 monthly payment (Principal and Interest only)
********Example: $150,000.00, First Time Home Buyer 15 years Conv, 5.86%~ = $1,245.62 monthly payment (Principal and Interest only)
*********Example:  $150,000.00, 30 years FHA, 6.796%~ = $847.84 monthly payment (Principal and Interest only)
**********Example:  $150,000.00, 30 years  VA, 6.032%~ = $883.34 monthly payment (Principal and Interest only)
***********Example: $150,000.00, 30 years  USDA, 6.267%~ = $872.21 monthly payment (Principal and Interest only)
************Example: $25,000.00, Home Equity Line of Credit 6.75%~= $375.00 monthly payment (Principal and Interest only)

All Rates as of November 4, 2025. Rates are subject to change at any time without notice. APR - Annual Percentage Rate. Subject to credit approval. Rates are based on an evaluation of credit history.

All Rates as of October 31, 2025. Rates are subject to change at any time without notice. APR - Annual Percentage Rate. All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term.

All Rates as of October 31, 2025. Rates are subject to change at any time without notice. APR - Annual Percentage Rate. All loans are subject to credit approval and valuation of any collateral. Rates are based on an evaluation of credit history and loan term.

Loan Example for the above advertised loan type:  $10,000 at 10.99% APR for 36 months = $327.30