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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

Home Loan Rates
ProgramRateAPR
30 Year Fixed* 6.99%7.154%
20 Year Fixed*6.875%7.076%
15 Year Fixed*6.75%7.066%
10 Year Fixed*6.85%7.295%
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Rates are indications for 45 day lock-ins on single-family, owner-occupied properties with a loan-to-value ratio of 80% or less, for the applications filed using our Online Loan Application.

*Conventional (conforming) rate.

Jumbo loans are available and are loans for $766,550 and over. 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. Currently, we do not offer mortgage financing for out of the State of GA or 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 $5.27 per $1,000 borrowed based upon a 4.842% APR.

Fixed Rate Second Mortgage

Fixed Rate Second Mortgage Rates
ProductTermAPR
Owner occupied
Up to 90% CLTV
Up to 15 Years7.50%
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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 $9.27 per $1,000 borrowed based upon a 7.50% APR.

Equity Line of Credit

Equity Line of Credit Rates
ProductTermAPR
Owner occupied
Up to 90% CLTV
10 Years8.50%
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Applicants must qualify under normal underwriting guidelines. Rates may vary depending on loan type, term, applicant credit history and credit union relationship. Rates and terms are subject to change.

Variable Rate Information: Your APR may vary. The Annual Percentage Rate (APR) includes only interest and no other costs. The Annual Percentage Rate under this Agreement is based upon the sum of the Index plus the Margin. The Annual Percentage Rate may increase or decrease based upon changes in the Index, and such changes will affect your Minimum Payment and periodic finance charges. The "Index" is Prime Rate as published in the Wall Street Journal. This initial rate is equal to the Index plus Margin. The margin could be 0.00%, 1.00% or 2.00%. Fees are subject to change or could be waived. These fees generally total between $0 and $2,500. Maximum APR is 18.00%. You agree to obtain property insurance against loss or damage to the Property, in the amounts, for the time periods and against the risks that the Security Instrument and/or we require. You agree to provide (i) property insurance for the Property in an amount equal to the replacement cost of the property and (ii) if we notify you that the Property is located in a flood zone, flood insurance in an amount equity to the lesser of the Credit Limit or the maximum amount available pursuant to the National Flood Insurance program (if we notify you after the date of this Agreement, you agree to obtain such insurance within 45 days of being notified). You agree to provide us with a mortgagee endorsement on origination and at each renewal of such insurance coverage.

Members may borrow against their available credit line for a period of 10 years, after which any existing balance must be paid in full within the following 10 years. Home Equity Lines of Credit are available for primary residences. Primary residences are owner-occupied, principal residences only.

To qualify for no closing costs, member must do a minimum draw of $10,000. If a $10,000 draw is not made, member would be responsible for all closing costs. Closing costs may vary based on loan amount and county of residence.

APR = Annual Percentage Rate.