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Home loan rates.Value for your money.

From first mortgages to home equities, get a loan that's as nice as your home.

Home Loans

ProgramRateAPR
30 Year Fixed1 3.000%3.281%
20 Year Fixed1 2.750%2.924%
15 Year Fixed1 2.500%2.678%
10 Year Fixed1 2.375%2.599%
30 Year Jumbo24.25%4.236%
15 Year Jumbo24.25%4.403%
5% Down3,53.75%3.908%
3% Down4,53.125%3.33%
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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.

1Conventional (conforming) rate.

2Jumbo loans are those that are $510,400 and over.

3Conventional (conforming) 30 year fixed loan with no PMI.

4Conventional (conforming) 30 year fixed loan.

53% 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 principal and interest payment example excluding taxes and insurance: 360 payments of $4.08 per $1,000 borrowed based upon a 2.75% APR.

Adjustable Rate Mortgages

Payment PeriodRateAPR
5/1 ARM13.875%4.044%
7/1 ARM14.25%4.421%
10/1 ARM14.00%4.168%
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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.

1Conventional (conforming) and Jumbo rate.

Fixed Rate Second Mortgage

ProductTermAPR
Owner occupied
Up to 90% CLTV
Up to 15 Years4.00%
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CLTV means Combined Loan-To-Value Ratio.

Applicants must qualify under normal underwriting guidelines. Rates shown are lowest rates available and may vary depending on loan type, term, and applicant credit history. Rates and terms are subject to change.

Rates are based on an evaluation of credit history, so your rate may differ.

Payment example: 180 payments of $7.40 per $1,000 borrowed based upon a 4.00% APR.

Equity Line of Credit

ProductTermAPR
Owner occupied
Up to 90% CLTV
10 Years3.25%1
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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%.

1Applicants 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%.

APR = Annual Percentage Rate.