Rates | Teachers FCU

Rates are Determined by your Zip Code at Account Opening.

MORTGAGE PURCHASE

Effective Date: December 4, 2023

Credit Union Mortgage Rates

We offer 90% financing up to $1M with PMI and 80% financing from $1M - $3M. Loans are NOT locked in at application. A completed application is required prior to locking in.

Rate Lock-ins are only available Monday thru Friday, 10am to 4pm. Your lock-in rate may be different from the rate posted here.

VA Mortgage*** Rate APR* Payment/ $1,000 How to Apply
30 Year (up to 100% financing) Rate6.75% APR*7.01% Payment/ $1000$6.49 Apply
Fixed Rate Mortgage** Rate APR* Payment/ $1,000 How to Apply
10 Year (up to 97% financing) Rate6.375% APR*6.54% Payment/ $1000$11.29 Apply
15 Year (up to 97% financing) Rate6.625% APR*6.74% Payment/ $1000$8.78 Apply
20 Year (up to 97% financing) Rate6.625% APR*6.72% Payment/ $1000$7.53 Apply
30 Year (up to 97% financing) Rate6.875% APR*6.95% Payment/ $1000$6.57 Apply
Adjustable** Rate APR* Payment/ $1,000 How to Apply
5/6 Adjustable Rate6.625% APR*7.72% Payment/ $1000$6.40 Apply
7/6 Adjustable Rate6.75% APR*7.58% Payment/ $1000$6.49 Apply
10/6 Adjustable Rate7.00% APR*7.51% Payment/ $1000$6.65 Apply
Jumbo Mortgage Rate APR* Payment/ $1,000 How to Apply
15 Year Fixed** Rate6.75% APR*6.89% Payment/ $1000$8.85 Apply
20 Year Fixed** Rate6.875% APR*7.01% Payment/ $1000$7.68 Apply
30 Year Fixed** Rate7.00% APR*7.14% Payment/ $1000$6.65 Apply
5/6 Year Adjustable Rate6.625% APR*7.66% Payment/ $1000$6.40 Apply
7/6 Year Adjustable Rate6.75% APR*7.52% Payment/ $1000$6.49 Apply
10/6 Year Adjustable Rate7.00% APR*7.45% Payment/ $1000$6.65 Apply
High Balance**** Rate APR* Payment/$1000 How to Apply
15 Year Fixed Rate7.00% APR*7.17% Payment/ $1000$8.99 Apply
20 Year Fixed Rate7.25% APR*7.41% Payment/ $1000$7.90 Apply
30 Year Fixed Rate7.25% APR*7.40% Payment/ $1000$6.82 Apply
5/6 ARM Adjustable Rate6.625% APR*7.67% Payment/ $1000$6.40 Apply
7/6 ARM Adjustable Rate6.75% APR*7.53% Payment/ $1000$6.49 Apply
10/6 ARM Adjustable Rate7.00% APR*7.47% Payment/ $1000$6.65 Apply
Home Ready Mortgage** Rate APR* Payment/ $1,000 How to Apply
30 Year Fixed Rate7.125% APR*7.19% Payment/ $1000$6.74 Apply
No Closing Cost Mortgage Rate APR* Payment/ $1,000 How to Apply
20 Year Fixed Rate7.125% APR*7.17% Payment/ $1000$7.83 Apply
30 Year Fixed Rate7.375% APR*7.41% Payment/ $1000$6.91 Apply
5/6 Adjustable Rate7.125% APR*7.88% Payment/ $1000$6.74 Apply
7/6 Adjustable Rate7.25% APR*7.80% Payment/ $1000$6.82 Apply
10/6 Adjustable Rate7.50% APR*7.81% Payment/ $1000$6.99 Apply