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Holiday Hours: All HUECU locations will be closed on Thursday, November 22nd, and Friday, November 23rd, for the Thanksgiving holiday. Thank you.

30-Year Fixed Rate

Conforming or Jumbo

Rates as low as

4.875%

30-Year Fixed Rate

First Time Home Buyer
Conforming or Jumbo

Rates as low as

4.750%

15-Year Fixed Rate

Conforming or Jumbo

Rates as low as

4.500%

Home Loan
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10/1 ARM

Adjustable Rate
Conforming or Jumbo

Rates as low as

4.625%

7/1 ARM

Adjustable Rate
Conforming or Jumbo

Rates as low as

4.375%

HELOC

Home Equity Line of Credit1,2

APR as low as

4.99%

5-Year Fixed Rate

Home Equity Loan3

APR as low as

5.250%

10-Year Fixed Rate

Home Equity Loan3

APR as low as

5.750%

Important Notices

The interest rates, annual percentage rates (APRs), discount points and rebates shown are subject to change without notice. The monthly payment amount shown includes principal and interest. Taxes, property insurance, and flood and mortgage insurance (if applicable) are not included in the monthly payment amount. Your actual monthly payment amount may be higher. An escrow account may be required. Your APR will vary based on your final loan amount and finance charges. Rates shown do not include taxes and insurance premiums to the extent applicable.

Approximate Closing Costs: $2500 (Based on a $200,000.00 Loan with 20% down). Closing Costs Include: Attorney Fees – $600 Purchase or Refinance of HUECU and $750.00 on all other loans under $200,000. Appraisal fees – $350 for single family and $500 for multi with a value under $1 million – anything over 1 million would require 2 appraisals. Pre-Paid Interest – Daily interest paid by borrower at closing – closing date to first day of next month

Current Prime Rate is 5.25%

1. Annual Percentage Rate (APR). Rate adjusted monthly according to Prime Lending Rate as published in the Wall Street Journal. Subject to credit approval. Maximum APR is 18%. LTV not to exceed 80%. Rates advertised are the lowest rates available and include .26% discount. 
2. If you close the line within 24 months from date of note, you will reimburse HUECU the amount of waived fees not to exceed $920. Adequate property insurance, and possibly flood insurance, is required. 1-4 family, owner-occupied primary residence properties and second homes only.
3. Actual rates may vary.  Rates advertised are the lowest rates available and include Reduced Relationship Rate criteria. APR includes a .25% discount with automatic payment from an HUECU checking account. Based on a loan amount of $25,000, a 10 year term, APR of 4.75% and a loan-to-value ratio of 80% or less the estimated monthly payment is $262.12. The payment example does not include amounts for taxes and insurance premiums and the actual payment will be greater.

HUECU is an equal opportunity lender. By state law, all applications for loans must be in writing. Other stipulations may apply. All rates and terms are subject to credit approval and may change without notice.

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