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Home Loan Rates

Home Loan Rates
Program Name Rate Annual Percentage Rate
30 year fixed rate conventional (Conforming) 3.125%** 3.331%
20 year fixed rate conventional (Conforming) 3.125%** 3.336%
15 year fixed rate conventional (Conforming) 2.875%** 3.146%
10 year fixed rate conventional (Conforming) 2.875%** 3.269%
30 year Jumbo loan ($510,400 and over) 4.250%** 4.236%
15 year Jumbo loan ($510,400 and over) 4.250%** 4.403%**
5% down conv. No PMI 30 year Fixed (Conforming) 3.750%** 3.908%**
3% down conv. 30 year Fixed (Conforming)*** 3.125%** 3.330%**

0.00% Points for all home loan types

Rates are indications for 45 day lock-ins on single family, owner-occupied properties with loan to value ratio of 80% or less, for the applications filed using our Online Loan Application. ***3% down and 5% down payment programs are available for qualified applicants. Please call for duplexes, second homes or unusual circumstances. Currently, we offer State of GA purchase financing for primary and secondary/vacation homes only.  We offer cash out refinances, but for a State of GA primary residence only.  At this time we do not offer mortgage financing for out of the State of GA nor investment property financing. Please note that rates, applicable discount points, and closing costs may change without notice. Call your Loan Officer if you have questions. Loans must be in our system in order to lock. Rates are subject to change at any time. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Rates above are based on a borrower with a credit score of 720 or higher. Mortgage loan sample principal and interest payment: $250,000 mortgage for 30 years at a rate of 3.750% (3.923% APR) will result in a monthly payment of $1,157.79. Taxes and insurance not included.

Adjustable Rate Mortgages
Payment Period Interest Rate Annual Percentage Rate
5/1 ARM Conventional and Jumbo (Conforming) 3.875% 4.044%
7/1 ARM Conventional and Jumbo (Conforming) 4.250% 4.421%
10/1 ARM Conventional and Jumbo (Conforming) 4.000% 4.168%

Advertised Annual Percentage Rate (APR). Interest rate and payment may increase after the initial 5 or 7 year period ends. If approved, your terms may vary based upon your specific situation. The products above do not include Rate Renew options and pricing. Rate Renew availability, interest rates, eligibility, and cost can change at any time.

Equity Loan (Fixed Rate Second Mortgage)
Product Term Annual Percentage Rate
Owner occupied up to 80% CLTV 5 Year 4.00%
6-10 Year 5.00%
11-15 Year 6.00%
Owner occupied 81%-89% CLTV 5 Year 6.00%
6-10 Year 7.00%
11-15 Year 8.00%

Rates are based on an evaluation of credit history, so your rate may differ. Sample Fixed Rate Second Mortgage Payment: Loan of $100,000 for 15 years at 6.00% APR is $843.86.

Equity Line of Credit
Product Term Annual Percentage Rate
Owner occupied up to 90% CLTV 10 Year 3.25%*

CLTV means Combined Loan-To-Value Ratio.

ELOCs are not subject to add-ons or discounts.

Equity Lines of Credit - Wall Street Journal prime interest rate plus 0%.

Up to 90% Combined Loan to Value.

*Applicants must qualify under normal underwriting guidelines. Rates shown are lowest rates available and may vary depending on loan type, term, applicant credit history and credit union relationship. A relationship discount is offered to all qualified borrowers who maintain an active CDC FCU checking account, debit card, direct deposit and automatic debit. Rates and terms are subject to change. Maximum APR is 18.00%.

**Rates as of 08/21/2020. Loan rates are subject to change at any time without notice.