Local: 607-561-7328, 607-432-1451

Toll FREE: 1-877-642-7328

Mortgage Rates

Nothing compares to relaxing in your own home. No worries over what color to paint the walls, or hanging a picture of the kids. And if you maintain it well, your house gains in value, and your mortgage becomes a good investment. The mortgage rates we can offer you vary on a number of things, including the purchase price, the size of a down payment, your credit rating, and any discounts we can offer you. Keep in mind two things:

  • You will need to pay closing costs and maybe mortgage insurance – but we do everything we can to keep those low.
  • A mortgage on your primary residence is tax deductible, so you can afford more than you think you can.

Our adjustable rate mortgages are guaranteed for a year, and we will never change the new interest rate by more than two percentage points, and never more than seven percentage points through the life of the mortgage.

sfcu Home Loan Interest Rates

Web Updated 9/20/2019

Type of Loan Term
(Approx.)
APR1
First Mortgages - Fixed Rates
(Purchases and Refinances)
120 4.25%
180 4.50%
240 4.90%
First Mortgages - Variable Rate2 1/1 ARM
Discounted rate for 1st year 1st Year Fixed - APR on remaining term - Variable based on 1 year Treasury Security of +2.90%
12 3.75%
348 5.50%
First Mortgages - Variable Rate2 5/1 ARM
Discounted rate for 1st year 1st 5 Years Fixed - APR on remaining term - Variable based on 1 year Treasury Security of +2.90%
60 4.25%
300 5.50%
First Mortgages - Variable Rate2 5/5 ARM
Discounted rate for 5 years 1st 5 Years Fixed - APR on remaining term - Variable based on 5 year Treasury Security of +2.90%
60 4.50%
300 5.00%
Home Equity Line of Credit3
Variable APR based on Prime Rate +0% A+ score
120 5.00%
Home Equity Loan
Fixed, 80% LTV, A+ Score
60 4.25%
120 5.25%
Home Improvement Loan 60 8.00%
Fixed Rate Mobile Home & Land
Purchase or Refinance term is determined by Year of Manufactured Home
120 5.50%
180 5.75%
240 6.50%
Variable Rate Mobile Home & Land2
APR based on 1 year Treasury Security +4.50% Purchases and Refinances Term is determined by Year of Manufactured Home
240 7.00%
Second Home - Fixed Rates
(Purchases and Refinances) Not investment or Rental
120 8.00%
180 8.50%
240 9.00%
Second Home - Variable Rate2
APR is Variable based on 1 year Treasury Security +3.00%
180 5.50%
Bare Land - Fixed Rates 144 10.00%
Bare Land - Variable Rate2
APR is Variable based on 1 year Treasury Security +4.50%
144 7.00%

Certain Restrictions may apply on any of the above loan types. Please contact any of our branch offices for questions.

The above rates are determined by credit worthiness. Your actual rate may vary. Contact the credit union to see what rate you qualify for.

1- Annual Percentage Rate

2- All Variable Rate loans with the exception of the Home Equity have a floor of 5.00%

3- The Variable Rate Home Equity does not have a floor, and higher rates may apply based on Loan to Value.

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Phone: 877 642-7328

ART (Audio Response Teller)

Local: 607-561-7328, 607-432-1451

Toll Free: 1-877-642-7328

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Rates and earnings advertised through sfcu's website, ads, and promotions may be subject to change based on account fees.

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