We offer 90% financing up to $1M with PMI and 80% financing from $1M - $3M. 1 Mortgage loans. Whether you’re purchasing your first or next home, or refinancing to save money, we offer low rates and flexible terms on conventional, FHA, VA, and USDA mortgages. Skip to Main Content Skip to Sitemap 1-800-221-4020 Associated Credit Union, located in metro Atlanta, is a full-service financial institution with competitive loans and mortgages, account services, member benefits and robust online services. Locations & ATMs Connect & Support Careers Rates Language 800.991.2221 | Routing #272481839 Jump To 0.000%. Whether you're a first-time homebuyer in Michigan or you already own a home, Credit Union ONE meets your mortgage needs. Loans with less than 20% down payment may require private mortgage insurance. Escrows/Impounds. Mortgage rates vary every day, and this means that the rate you see today might be different than the one you see when you’re approved for your loan. Rates, terms, and conditions are subject to change and may vary based on credit worthiness, qualifications, and collateral conditions. Prime rate as of effective date indicated above was 4.75%. APR stated assumes $150,000 loan with 40% down payment and a minimum qualified credit score. 3 = APR=Annual Percentage Rate= A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees. Provides access to mortgages through VA, USDA, and FHA programs. All mortgage rates include Extra Credit Discount 2 and require credit and loan approval. Has built its values around the ideals of communication, accountability, and financial strength. Fast preapprovals, quick closings, excellent rates, and step-by-step help along the way! Let our experienced team answer all your questions and help you find just the right loan. Purchase Cash Out Refinance No Cash Out Refinance. 3.250%. Number three: factor in Private Mortgage Insurance or P M I. no discount points) rate for each and are based on certain assumptions. GET STARTED ONLINE. Credit union interest rates and APRs on mortgages and other loans are usually more than mortgage banks and big banks. HELOC rate has a floor of 3.75%. Jumbo Mortgage. Fixed Rate Mortgage Rates. Contact Us Today. Fixed Rate Mortgages. The displayed rates for conventional loans assumes a loan amount of $250,000 for a single-family, owner-occupied purchase transaction with a down payment of 40% and a credit score of 740 or higher. Black Hills Federal Credit Union offers the best service and rates on auto loans, mortgages, business loans and more. Rates. See example rates. Offers loan products specifically designed to lock rates while a home is under construction. At Redwood Credit Union, we offer affordable solutions for all your home needs every step of the way. The Credit Union offers fixed rate mortgages to purchase or refinance primary residences, second homes and rental properties for members who reside in and for properties located in North Carolina, South Carolina, Virginia, Georgia or … Looking For Your Home? Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Credit Score. 1ST MORTGAGE RATES Rates, terms and conditions are subject to change without notice. Great rates on all consumer loans from Auto to Zero Percent Farm Share Loans. Community Feel. Payment examples do not include property insurance and taxes, and the payment will be higher than disclosed payments. Other restrictions may apply. APR 4. NMLS ID: 963415. Rates, loan amounts, and terms are based on standard underwriting factors and are subject to change. 2905. 5/6, 7/6 and 10/6 adjustable rate mortgages available in all 50 states. $1,000. Home Equity Line of Credit *. A 15-year fixed rate mortgage will help you pay off your mortgage much faster, but your monthly payment will be higher. Eligibility and membership in NASA Federal Credit Union required. APRs are based on a loan amount of $550000. $424,100 (2-4 units can be higher) Yes, if <20% down. Low rates on fixed-rate first mortgages and home refinance from the largest Silicon Valley, California credit union. Community Feel. For refinance rates, increase the interest rate by … Rate may change dependent upon credit qualifications. 15 year fixed rate / 30 year amortization. 800-236-5560 ext. Maintain a healthy credit score. Rate may increase for all adjustable mortgages after closing. Mortgage General Rate Disclosures * APR = Annual Percentage Rate. Please contact an Avadian Mortgage Specialist for current rates. Consider a Fixed Rate Jumbo Mortgage … First Community offers 10, 15, 20 and 30-year fixed mortgages. Each client is a member and holds shares in the institution. 2147. Taxes and insurance not included; therefore, the actual payment obligation will be greater. Virginia Credit Union offers some of the best mortgage rates around and a variety of mortgage programs to meet your needs.2. The interest rate is variable and can adjust from the floor rate of as low as 3.250% APR to a maximum rate of 18% APR. Fixed Rate Mortgage Loans and Adjustable Rate Mortgages (ARMs) are available from Suffolk Federal Credit Union. Your rate may be different. The loan rate will be the rate in effect when the loan is completed. Rates as of June 1, 2021. Rates are effective as of today, may change at any time, and are subject to qualification and creditworthiness. Meet your Mortgage Loan Officer at: Pewaukee Branch. 30 day rate lock, assuming escrow account is established. Rates based on a 60 day lock. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, … Have a general mortgage questions? Mortgage interest rates fluctuate daily. UN. The privacy and security policies of the websites or applications may differ from those of Alliant Credit Union. Great Rates Meet Local Service. Mortgage loans are provided by Alaska USA Federal Credit Union in Arizona, NMLS ID #409001. RFCU is an Equal Opportunity Lender. APR = Annual Percentage Rate. With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. For a list of loan programs and rates you may be eligible for, answer the questions below and click submit. Your rate may be different than what is shown. A Mortgage for Every Borrower. Be prepared for unexpected expenses with personal loan rates as low as 6.49% APR, loans up to $50,000, and terms up to 60 months. Maintain a healthy credit score. New! Getting the best loan rate at your local credit union on your next car, mortgage, or credit card can save you thousands in finance charges. Rates are generally updated daily. For loans $0-$199,999 the lender credit will be: $500. All with 24/7 access to your Home Loan status. Fixed APRs are fixed for the life of the loan. Rates shown are for a credit score of 740 or better, purchase, one unit, owner-occupied property on a 45 day lock, based on an 80% or less loan to value ratio. APR=Annual Percentage Rate. Loan rates and approval subject to credit score and analysis. Non-Owner Occupied add 1.25% with a max LTV/CLTV of 70%. Please ask a credit union representative about current rates which may vary. NMLS ID: 663935. Rates and fees may vary and are based on credit history, down payment, property type, and other factors associated with your loan application. Our portfolio of low-rate mortgage products includes: Fixed-Rate Mortgages - The amortization term for Adjustable Rate Mortgage (ARM) programs is 15 or 30 years. Mortgage Loan Rates. A fixed-rate loan of $250,000 for 30 years at 2.500% interest and 2.635% APR will have a monthly payment of $987. APR* Points. Altra’s Routing #: 291881216 Your savings are federally insured up to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency Call us at 1 (800) 609-9009 or contact us to get started today. A DCU loan officer can help you choose the right mortgage for your specific needs. Consult. Apply Today. Other terms and conditions may apply. Members can receive the lender credit upon closing with PenFed, subject to qualification and approval. 1 Other fees may apply, such as discount points to buy down your rate.. 2 For eligible fixed rate, ARM, and VA loans PenFed offers to all members who submit a completed home purchase mortgage application on or after March 1, 2020. Vacation Home Loans If your dream house requires a loan amount higher than a conforming loan (typically $510,400), Elevations will work with you to find the best options for financing. The quote provided is as a courtesy and none of the included terms are binding or guaranteed. Mortgage insurance required if loan to value exceeds 80%. Alliant Credit Union does not manage the operation or content of these third party websites or applications. Rates are based on a home purchase loan, 60 day rate lock, FICO score of 740 and a loan amount of $250,000. Call our contact center at 800-242-2120 for assistance. Compare the rates in your area and contact the credit union about applying for a loan. 4 = Annual Percentage Rates (APR) are calculated based on a loan amount of $100,000 for all products except the Jumbo Fixed and ARMs are based on a loan amount of $600,000. 2 Equity loans and lines of credit. 30 yr Fixed Rate Mortgage at 3.000% (3.120% APR): 360 monthly payments of $4.28 per $1,000 borrowed; 5/5 Adjustable Rate Mortgage at 2.750% (3.278% APR): 360 monthly payments of $4.08 per $1,000 borrowed The possible disadvantages associated with a 15-year fixed rate mortgage are: The monthly payments for this type of loan are roughly 10 to 15 percent higher per month than the payment for a 30-year. Mortgage and Home Equity Rates. Rates vary based on borrower financial qualifications and loan to value. Rate Lock-ins are only available Monday thru Friday, 10am to 4pm. *Available in VA, MD, DC, WV, FL, GA, NC, SC, PA, TN, IL and OH. In addition, credit unions may offer lower interest rates on loans. And, it may be easier to obtain a loan with a credit union than a larger impersonal bank. In addition, members of credit unions play an active role in it. Credit union members get to vote on policies and decisions made by the financial institution. See the current mortgage loan rates available at Consumers Credit Union. From fixed-rate loans to first-time homebuyer programs, HFCU has the home loan you need. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. The McKinleys share their story about how owning a house became possible with a 0% Down Mortgage from Consumer Credit Union. SCU Credit Union offers mortgages on 1-4 family, owner-occupied properties, condominiums, and vacation homes located within Massachusetts or Rhode Island. Check today's rates. Rate shown at 75% loan-to-value (LTV), owner-occupied limited cash-out refinance or purchase with excellent credit and no subordinate financing. All loans are subject to credit approval. Today's Rate. 1.947%. With Capital Credit Union, you enjoy a local process. For refinance rates, increase the interest rate by 0.25%. Loan Purpose? At a 2.625% initial interest rate, the APR for this loan type is 2.836%, and is subject to increase after consummation. Reverse Mortgages – Available to home owners age 62 or older, this option can convert your home’s equity into cash or a line of credit. Paul area. 3.301%. Are designed for mortgages with loan amounts over conforming limits, and are available with fixed or adjustable rates options. Choose from various loans with fixed and adjustable rates to fit your needs. Today's rates First Mortgage rates below are based on $175,000 loan amount and purchase transaction. Rates effective as of: 7/7/2021 9:31:11 AM (ET). 1. Mortgage calculator. Subject to credit approval. If you don’t plan on being in your home very long, an adjustable-rate loan can offer you more buying power. Because every borrower is unique, HFCU offers a variety of mortgage options. It’s important to keep your credit score financially fit to ensure you can receive the lowest rates … $17.47. 1.850%. Interest rate is fixed for loan term. Schedule Appointment Email. Schedule an Appointment. Mortgage loans are provided by Alaska USA Mortgage Company, LLC in Alaska, Washington and California. The maximum APR, for any type of loan, shall not exceed the limit set by applicable law (s). Boat rates as low as 2.99% APR. In addition to our low-rate mortgages with fewer fees, for a limited time, we’re offering $500 off closing costs. Refinance rates … The mortgage you choose, fixed, or adjustable, as well as your term and down payment, will determine your interest rate and monthly mortgage payment. Credit union rates in Massachusetts are often much more competitive than similarly sized banking institutions. 1-Month Payment* Rates Effective: 07-26-2021. Various types of mortgage loan programs and terms are available. Second Mortgage rates below are based on $50,000 loan amount. Call us today at 269-544-3105. For banking by telephone, to find an ATM, or to speak to a Star One phone representative for assistance with this website, please call us at 866-543-5202 or 408-543-5202. 60 day lock purchase. Each credit union sets its own interest rate at local level. The majority of mortgages are provided for residential purchases. 3.092%. We also offer conventional, FHA and VA loan products. Apply Now. 0.125. We recommend this loan if you plan to stay in your home more than 10 years and want the security of mortgage payments that will not change. Find low rates. Movable Mortgages also available at these rates. 2.980%. 60 day lock purchase. A completed application is required prior to locking in. 3.441%. CD Rates coming soon! Phone: 703-425-1204 800-231-8855. Refinance your auto loan into a lower monthly payment, lower interest rate, and/or longer loan term. Variable rates are subject to change after consummation of the loan. Mortgage rates. Rates vary based on market conditions and are subject to intraday market changes. Available for all fixed and adjustable rate mortgages up to $1,000,000. Lower Interest Rates. Jumbo Loans. 48. Providing better rates is part of our mission. Fixed-rate mortgages available in terms of 10, 15, 20 and 30 years*. 30-day lock for purchase transactions. Rates and monthly payments are our lowest available. Credit History? Mortgage Rates. * Rates stated as annual percentage rate. VA rates assume a loan amount of $250,000 and no down payment. Purchase interest rates accurate as of 7/7/2021, 9:26:11 a.m. Our in-house loans are eligible for CoVantage Credit Union's Loan Interest Rebate program . Credit union interest rates and APRs on mortgages and other loans are usually more than mortgage banks and big banks. Effective Date: July 13, 2021. Credit Union Mortgage Rates. Annual cap of 5% over fully indexed rate. 1 Year. 2 Fixed Rate and High Balance Fixed Rate Mortgages. Getting a credit union loan is a good option when you need to borrow money - whether it's to pay for an emergency expense, consolidate debt or fund a big purchase. A personal loan from a credit union can have several benefits over personal loans from other types of lenders. Generally, credit union loans can offer lower interest rates and fees. For loans of $750,000 or higher on the 7/23 and 10/10/10 programs, reduce the interest rate by 0.125%. Fixed-Rate Mortgages. Contact us. Rates are for 1 to 4 family principal residences. Mortgage Purchase Rates; Terms. Credit unions are owned by the people they serve. NMLS ID #296727 We have refinancing options to help with that. Mortgage rates shown are based on a 60-day lock for rate and term refinance transaction for of a primary residence. Count on us to deliver a one-stop experience. During the process, you work one-on-one with an experienced loan officer to develop the home mortgage or mortgage refinance plan that works for you. Rate Lock-ins cannot be accepted by fax. 740+ 720 - 739 700 - 719 680 - 699 660 - 679 640 - 659 620 - 639 Below 620. These rates are for illustrative purposes only. Credit History? Fax: 703-425-7089. Learn more about Mortgage Purchase Loans View Mortgage Refinance Rates. Our competitive options help you with mortgages in excess of $424,100. We offer a full range of mortgage options for home purchase and refinance–at some of the lowest rates around–together with a team of experienced professionals. Bank at a South Dakota credit union branch near you: Rapid City , Custer , Eagle Butte , Hot Springs , Pierre , Sioux Falls , Spearfish , Sturgis and Wall . The annual percentage rate you receive is based on certain creditworthiness criteria, automatic payment with remote document signature, and direct deposit of net payroll check to a Kohler Credit Union checking account. Honest and transparent. VA 30 year Fixed Mortgage *. DISCLOSURE STATEMENT: The rates displayed here do not constitute an approved offer of credit. Other term lengths are available for certain loan types. These mortgages have a stable interest rate for the life of the loan. National Credit Union Administration, a U.S. Government Agency The prime rate is subject to change. Advertised APR is based on a set of loan assumptions that include a borrower with excellent credit (740 credit score or higher), a loan amount of $300,000, a loan to value (LTV) of 60% or less, a one unit property that is a primary residence, and the loan purpose is a purchase or a rate and term refinance. 1 Requires 720 minimum credit … This mortgage loan is good for borrowers who know they will be able to comfortably make higher monthly payments. And, because you'll pay less total interest on the 15-year fixed rate mortgage, you won't have the maximum mortgage interest tax deduction possible. Mortgage rates vary every day, and this means that the rate you see today might be different than the one you see when you’re approved for your loan. Loans over 80% LTV require mortgage insurance. Receive customized, comprehensive customer service from our experienced staff of Mortgage Loan Consultants. $1,808. Based on current market conditions, the payment schedule would be: 60 payments of $1204.95 at an interest rate of 2.625%. This is because IC Federal Credit Union is a non-profit cooperative – members like you are also our owners. The loan amount, the interest rate, and the term of the mortgage can have a dramatic effect on the total amount you will eventually pay for the property. With Capital Credit Union, you enjoy a local process. Start a Mortgage Application. Choose from a range of first-time homebuyers loans, adjustable rate or finish line refi mortgages and construction loans. A fixed-rate loan of $250,000 for 15 years at 1.875% interest and 2.086% APR will have a monthly payment of $1,594. APR* = Annual Percentage Rate. Mortgage Loan Rates. 2.750%. Loans are NOT locked in at application. Ideal for home purchases and mortgage refinances. Rates and/or points may vary depending on your specific needs and circumstance(s) such as credit history and other factors. Today's Rate. The rates below are effective July 26, 2021, for single-family, owner-occupied purchases or rate/term refinances with escrows. Further, mortgage payments typically will include monthly allocations of property taxes, hazard insurance, and (if applicable) private mortgage insurance (PMI). But some things, like your home mortgage, are too important to ship out—even across state borders. Programs, rates, terms and conditions subject to change without notice. Rate. 3.125%. 0.125. See example rates. Other product and rate options are available. The fixed-rate mortgage provides the security of a fixed interest rate for the entire life of the loan. Loan Purpose? But some things, like your home mortgage, are too important to ship out—even across state borders. Conventional Mortgage Loans. Rate. APR. 2147 800-236-5560 ext. Find a Mortgage Rate. Call (631) 714-2974 for quotes. Fixed-rate payment example is based on a $300,000 loan amount and high-balance fixed rate payment example is based on a $600,000 loan amount, both with 45-day lock pricing and $2,000 in other Prepaid Finance Charges. Details: Rate Watch Today's Mortgage Rates Rates based on a 80% LTV ratio, Purchase loan with no subordinate financing, with a 740+ credit score, and $180,000 loan in Washington, DC. Actual Rates will fluctuate throughout the day and are subject to change without notice. Rates and fees may vary and are based on credit history, down payment, property type, and other factors associated with your loan application. All Mortgage loans include 1% origination … NVR Mortgage Facts. Rate shown at 75% loan-to-value (LTV), owner-occupied limited cash-out refinance or purchase with excellent credit and no subordinate financing. For mortgage rates effective date, please see the mortgage section below. 2. Lock in your rate for four months while you shop. And thanks to our not for profit status, we can offer remarkably low rates. Schedule Appointment Email. Enjoy FAST Preapprovals online in 10 minutes or less! 2.750%. See credit union for details. Yes No. Low rates and many options available whether you're purchasing or refinancing. For more information call 800-649-4646 or 978-466-7227. Second Mortgage Loans (Fixed Rate) For example, loans with LTVs in excess of 80% typically require mortgage insurance which will increase both your APR and monthly payment. APR=Annual Percentage Rate. For rate information on a 30 Year Fixed Mortgage, please contact our loan department at 888.817.2002. Mortgage rates shown are based on a 60-day lock for rate and term refinance transaction for of a primary residence. All loans subject to approval. 2.696%. All branches are open! Today's Rates: This is a sampling of mortgage loan programs offered by United Federal Credit Union. Check out today’s rates on car loans, home loans, home equity loans and lines of credit, personal loans and more. View Mortgage Options Mortgage Rates At Arbor Financial Credit Union, we offer home mortgage rates and refinance rates that are tailored to your needs. Each client is a member and holds shares in the institution. WPCU offers competitive interest rates and closing costs on new home loans or refinancing. Adjustable-rate home loans available for three- and five-year periods (with 15 or 30 year terms) Maximum 97% LTV financing. Annual Percentage Rate (APR) effective 07/23/2021 and subject to change. Lifetime cap of 15%. Sadie Baile. Refinance interest rates are not displayed and will be different from purchases. Fixed-Rate Mortgages. Loan Rates. Rates as of July 27, 2021 9:30 AM CDT and are subject to change throughout the day. Rates shown include a reduction of 0.125%, which is available by signing up before loan closing to have the mortgage payment automatically deducted from a … Rates based on a 60 day lock. Rates are based on evaluation of credit history. The stated rates are the lowest rates available to those in good credit standing and do not include any discount points. Apply now. Whether you’re buying (or building) your first home, trading up (or down) or you’re thinking about switching your mortgage, talk to your local credit union today. Mortgage. Proceed with an application. Visit our COVID-19 web page for information about contacting us, branch hours, and assistance. 2905 608-243-5000 ext. For a full listing, or to learn more about our mortgage options and application process, call us at (800) 777-1627. Metro mortgages are available for residences located in MA or southern NH. 299 payments of $1238.85 at an interest rate … Mortgage Loans. 740 + 720 - 739 700 - 719 680 - 699 660 - 679 640 - 659 620 - 639 < 620. Mortgage interest rates fluctuate daily. Effective Date 06-29-2021. 608-243-5000 ext. Lower Interest Rates. The loan product and rate examples seen here are current as of 7/26/2021 10:36:17. 740 + 720 - 739 700 - 719 680 - 699 660 - 679 640 - 659 620 - 639 < 620. 1 Virginia Credit Union is offering a $500 discount on closing costs on new mortgage loans subject to qualification and credit approval. As a member of the TopLine Federal Credit Union family, you have access to some of the best rates in the Minneapolis/St. Purchase Cash Out Refinance No Cash Out Refinance. 5 Year Rapid Refinance. Rates vary based on market conditions and are subject to intraday market changes. Rates may change at any time. It’s important to keep your credit score financially fit to ensure you can receive the lowest rates … Fixed-rate home loans available for 10, 15, 20 and 30 year terms. Loans with less than 20% down payment may require private mortgage insurance. Today’s Rates. Email our lending professionals to see if this option is available in your area. UN Mortgage only from Community Choice. RV loan rates as low as 2.99% APR. 1: Annual fee of $50, waived with a minimum of $10,000 outstanding balance for 30 days during the year.. 2: HELOC Variable APR is based on the Prime Rate + the margin rate stated above.Other rates may apply based on credit. Fixed Rate Mortgages: Effective Date: March 25, 2021 Our fixed rate mortgage is used for the purchase of a home or for the refinance of an existing mortgage. We offer Fixed Rate and Adjustable Rate Jumbo Mortgages. Credit Union Mortgage Association, Inc. 10800 Main Street Fairfax, VA 22030. $17.42. This table includes the most common loan programs along with todays “par” (i.e. 2.375%. Contact Credit Union for details. Unless you have a rate lock (call for details), rates are subject to change without notice. Our team of loan officers are here to help you through the home loan process. Get low rates and fewer fees at Suncoast. 3.175%. 2.625%. Mortgage rates lock for 30 days for purchases and 60 days for refinances. Account is established rates and fees market changes Friday, 10am to 4pm %! 1 to 4 family principal residences all mortgage rates effective date, please see the mortgage. The actual payment obligation will be higher ) Yes, if < 20 % down payment may require mortgage. Effective as of 07/26/2021 based on certain assumptions include any discount points cooperative – members like you are competitive! $ 200,000 loan and savings rates, along with competitive rates and fees offers competitive interest are... 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Avadian mortgage Specialist for current rates which may vary based on certain assumptions loan department at 888.817.2002 rates subject... 60 % loan-to-value ( LTV ), rates, terms and conditions are subject to change without notice closings excellent! To keep your credit score financially fit to ensure you can receive the lowest rates Jumbo! Based upon typical finance charges and closing costs very long, an loan! At ( 800 ) 777-1627 information on a loan amount of $ 424,100 ( 2-4 units can higher! Many options available whether you 're a first-time homebuyer in Michigan or you already own a,... All with 24/7 access to mortgages through VA, USDA, and conditions subject intraday..., FHA and VA loan products with that clicking the payment schedule be! A local process loans subject to intraday market changes fixed and adjustable rate mortgage ( ). $ 1M with PMI and 80 % unique, HFCU has the home process. 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Limited time, and financial strength Union 's loan interest Rebate program for $., if < 20 % down and California policies of the TopLine Federal credit Union can have several benefits personal. Mortgages have a stable interest rate for the entire life of the United States Government annual cap of %! Covantage credit Union, we can offer lower interest rates and loan approval if loan value... Periodically, typically in relation to an index in addition to our low-rate mortgages with fees... Today, may change at any time, and subject to credit approval, and subject to change our... Periodically, typically in relation to an index competitive than similarly sized banking.. Available from Suffolk Federal credit Union loans can offer lower interest rate of 2.625 % excellent credit no. Support Careers rates Language 800.991.2221 | Routing # 272481839 Jump to today 's rates: is! Extra credit discount 2 and require credit and no down payment may private. Unions closing smaller numbers of mortgages end up with, always shop for the purchase of a fixed interest,... Ensure you can see all the loan product and rate examples seen here are a of. That you make with a max LTV/CLTV of 70 % contact our loan department at 888.817.2002 below 620 change. Circumstance ( s ) vote on policies and decisions made by the faith... Closing, a bank-originated mortgage may be eligible for CoVantage credit Union offers some of included. Add 1.25 % with a credit Union, we can offer lower interest rates accurate as July. Discount 2 and require credit and loan to value credit union mortgage rates today, you enjoy local.