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Mortgage Rates
Effective As of 12/16/2025
| Term | Rate As Low As¹ | APR² As Low As | Monthly Payment Per $1,000 Borrowed ³ |
|---|---|---|---|
| Term 30-Year Loan | Rate As Low As¹ 6.250% | APR² As Low As 6.301% | Monthly Payment Per $1,000 Borrowed ³ $6.16 |
| Term 20-Year Loan | Rate As Low As¹ 6.000% | APR² As Low As 6.067% | Monthly Payment Per $1,000 Borrowed ³ $7.16 |
| Term 15-Year Loan | Rate As Low As¹ 5.750% | APR² As Low As 5.833% | Monthly Payment Per $1,000 Borrowed ³ $8.30 |
| Term 10-Year Loan | Rate As Low As¹ 5.625% | APR² As Low As 5.743% | Monthly Payment Per $1,000 Borrowed ³ $10.91 |
Effective As of 12/16/2025
| Account Type | Rate as low as | APR¹ | Monthly Payment Per $1,000 Borrowed ² |
|---|---|---|---|
| Account Type 5-year term | Rate as low as 5.750% | APR¹ 5.757% | Monthly Payment Per $1,000 Borrowed ² $19.22 |
| Account Type 10-year term | Rate as low as 6.250% | APR¹ 6.254% | Monthly Payment Per $1,000 Borrowed ² $11.23 |
| Account Type 15-year-term | Rate as low as 6.500% | APR¹ 6.503% | Monthly Payment Per $1,000 Borrowed ² $8.71 |
¹ APR = Annual Percentage Rate. The APR disclosed above assumes a $100,000 loan amount, credit score of 740+, MSCU holding first-lien position, and the property being the borrower’s primary residence. Advertised rates are based on specific assumptions and loan scenarios; your actual rate may vary based on credit history, loan amount, lien position, occupancy, and underwriting criteria. Other rates may be available.
² Estimated monthly payment per $1,000 does not include taxes or insurance. Actual payment obligation will be greater.
Property insurance and flood insurance (if applicable) are required. All Credit Union loan programs, rates, terms, and conditions are subject to change without notice. All loans are subject to membership eligibility and credit approval.
Effective As of 12/16/2025
| Rate as low as | Prime Rate | |
|---|---|---|
| Home Equity Line of Credit (HELOC) | Rate as low as 6.25% | Prime Rate 6.75% |
*APR=Annual Percentage Rate, includes closing costs and fees. The rate is variable and can change at any time. Advertised rates assume the purpose of the loan is for cash-out equity with a variable rate Home Equity Line of Credit. Loan amount of $100,000; credit score of 740+; MSCU will hold first lien position; and property is your primary residence. Advertised loan rates are based on certain assumptions and loan scenarios, and the rate you may receive will depend on your individual circumstances, including credit history, loan amount, lien position, occupancy of property, and underwriting criteria. Other rates may be available. Property insurance and flood insurance (if applicable) are required. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. All loans are subject to membership eligibility, and credit and underwriting approval.
Effective As of 12/16/2025
| Rate As Low As¹ | Prime Rate | |
|---|---|---|
| Home Equity Line of Credit (HELOC) – Manufactured Homes | Rate As Low As¹ 7.25% | Prime Rate 6.25% |
¹ Rate may vary depending on each individual’s credit history and underwriting factors.
APR = Annual Percentage Rate.
³ Estimated payments do not include amounts for mortgage insurance, taxes, and property insurance premiums. If applicable, actual payment obligation will be greater. Monthly payments are based on principal and interest only.
Programs, rates, terms, and conditions are subject to change without notice. Subject to credit approval.
Effective As of 12/16/2025
| Term | Rate as low as | APR¹ | Monthly Payment Per $1,000 Borrowed ² |
|---|---|---|---|
| Term 20-Year | Rate as low as 7.500% | APR¹ 7.847%* | Monthly Payment Per $1,000 Borrowed ² $8.06 |
| Term 15-Year | Rate as low as 7.250% | APR¹ 7.676%* | Monthly Payment Per $1,000 Borrowed ² $9.13 |
¹ APR = Annual Percentage Rate. The APR disclosed above assumes a $50,000 loan amount, 80% loan-to-value, and credit score of 680+. Advertised rates assume the purpose of the loan is to purchase residential land with a fixed-rate loan. Actual rate may vary based on individual credit history, loan amount, down payment, and underwriting criteria.
² Monthly payment per $1,000 does not include taxes or any applicable insurance. Actual payment obligation will be greater.
All Credit Union loan programs, rates, terms, and conditions are subject to change without notice. All loans are subject to membership eligibility and credit approval.
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