Home loan and home equity line of credit rates and fees
Click the links in the table below to learn details about rates, loan options and payment examples, or apply here for your home loan.
- New! — Mortgage with rate reduction: Buy your home now and if rates drop later, you'll have the option to get a lower rate without refinancing. You could save thousands with this no-refi option.
| Apply for a home loan |
Home loans
About these mortgage rates
Your mortgage rate may be different based on your terms and your specific loan criteria. Mortgage rates may be higher than the lowest advertised interest rates. Interest rates are subject to change throughout the day without notice.
$500 reduction off lenders fees
The $500 reduction off lenders fees is valid for Premier Members. This offer is not valid for Short Term Second Lien Home Equity Loans. See a Mortgage Loan Officer for further details and how to qualify for Premier Membership.
- Learn more about lenders fees reduction for these loans: First-time Homebuyer, fixed-rate, refinancing.
| Loan type | APR (Low)* | APR (High) | Term |
|---|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.50% | 9.50% | Draw period of up to 10 years. After draw, repayment term of up to 15 years. |
| Fee type | Essential | Enhanced | Premier |
|---|---|---|---|
| HELOC annual fee | $75 | $50 | $25 |
| The HELOC annual fee is waived the first year. After that, the annual fee depends on your Member Merits category as shown in the table above. | |||
Closing costs vary between $0-$2000.
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