• Residential Mortgages

  • Whether you are thinking about purchasing a new home or refinancing your current home, we have the mortgage you need with low rates and flexible terms. We offer conventional Fixed Rate and Adjustable Rate Mortgages. Custom design a mortgage with payment options you can comfortably afford.

    We are always looking for opportunities to assist you in accomplishing your financial goals. Purchasing a home or even refinancing your current home can be a daunting experience, especially when your budget is tight or you are having a hard time qualifying for your loan amount. Our Lending Representatives will help you through the process with their knowledge and experience.

  • Home Equity Fixed Rate Loan*

  • Intended for a specific expense, a Home Equity Fixed Rate loan is great for home improvements or debt consolidation. A Home Equity Fixed Rate loan offers a one-time cash payout with convenient repayment terms of 5, 7, 10 and 15 years.

  • Home Equity Line of Credit*

  • A Home Equity Line of Credit (HELOC) offers multiple advance opportunities and payments that rebuild equity. As you make payments on your decreasing Home Equity balance, paid-off funds become available again without submitting another loan application. Fixed and variable rate Home Equity Lines of Credit are available.

    Our fixed rate Home Equity Line of Credit is for a pre-established amount, offers a five-year draw period and repayment terms of 5, 7 and 10 years.

    Our variable rate Home Equity Line of Credit is for a pre-established amount, offers a ten-year draw period and a repayment term of 10 years.

To apply, click here. Be sure to view our Lending Checklist prior to starting, to ensure that you have all the necessary documents to complete the application.

*APR=Annual Percentage Rate. All Credit Union loans are subject to approval. Home Equity Fixed Rate Loan rates range from 3.79% to 10.99% APR. Home Equity Fixed Rate Line of Credit Loan rates range from 8.49% to 11.99% APR. A Home Equity Variable Rate Line of Credit Loan has a maximum APR of 18%. All Home Equity and Line of Credit Loans are subject to an average minimum daily loan balance of $10,000 during the first 12 months; otherwise, the member will be responsible for reimbursing the Credit Union for closing costs incurred.
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