Our Money Management Officer, Kassandra, was great to work with. I do not think she could do better.
SFCU Member
Mortgage Rates
Fixed-Rate Mortgage Rates
Effective Date: Friday, March 13, 2026
| Term | Rate | APR* |
|---|---|---|
| 10 Year | 5.500% | 5.731% |
| 15 Year | 5.750% | 5.914% |
| 20 Year | 5.875% | 6.006% |
| 30 Year | 6.000% | 6.099% |
Maximum loan amount – $700,000. APR based on loan amount of $165,000.
*APR = Annual Percentage Rate. The rate is based on approved credit, direct payment from a SFCU account, and is subject to change without notice. Refinancing existing SFCU loans excluded. Minimum $5.00 deposit account required. This offer may be withdrawn at any time. Other restrictions may apply. Other terms and rates may apply based on the credit worthiness of the borrower and alternative payment sources.
First-Time Homebuyer Rates
Effective Date: Friday, March 13, 2026
| Term | Rate | APR* |
|---|---|---|
| 10 Year | 5.750% | 5.750% |
| 15 Year | 6.000% | 6.000% |
| 20 Year | 6.125% | %6.125 |
| 30 Year | 6.250% | 6.250% |
Maximum loan amount – $700,000. APR based on loan amount of $165,000.
*APR = Annual Percentage Rate. The rate is based on approved credit, direct payment from a SFCU account, and is subject to change without notice. Refinancing existing SFCU loans excluded. Minimum $5.00 deposit account required. This offer may be withdrawn at any time. Other restrictions may apply. Other terms and rates may apply based on the credit worthiness of the borrower and alternative payment sources.
Fixed-Rate Construction Mortgage Rates
Effective Date: Friday, March 13, 2026
| Term | Rate | APR* |
|---|---|---|
| 10 Year | 5.625% | 6.740% |
| 15 Year | 5.875% | 6.690% |
| 20 Year | 6.00% | 6.661% |
| 30 Year | 6.125% | 6.633% |
Maximum loan amount – $700,000. APR based on loan amount of $165,000.
*APR = Annual Percentage Rate. The rate is based on approved credit, direct payment from a SFCU account, and is subject to change without notice. Refinancing existing SFCU loans excluded. Minimum $5.00 deposit account required. This offer may be withdrawn at any time. Other restrictions may apply. Other terms and rates may apply based on the credit worthiness of the borrower and alternative payment sources.
Adjustable-Rate Mortgage Rates
Effective Date: Friday, March 13, 2026
| Term | Rate | APR* |
|---|---|---|
| 1/1 | 5.375% | 7.978% |
| 3/1 | 5.625% | 7.591% |
| 5/1 | 5.500% | 7.180% |
APR based on $165,000. 2% per year & 6% life of loan cap.
*APR = Annual Percentage Rate. The rate is based on approved credit, direct payment from a SFCU account, and is subject to change without notice. Refinancing existing SFCU loans excluded. Minimum $5.00 deposit account required. This offer may be withdrawn at any time. Other restrictions may apply. Other terms and rates may apply based on the credit worthiness of the borrower and alternative payment sources.
Miracle Melting Mortgage Rates
Effective Date: Friday, March 13, 2026
| Term | Rate | APR* |
|---|---|---|
| 1-7 Years | 5.250% | 5.566% |
| 8-10 Years | 5.375% | 5.605% |
| 11-15 Years | 5.500% | 5.663% |
Valid for refinancing transactions and home purchases of owner-occupied, 1-4 family homes. Offer available for loans up to 70% AVM (automated valuation model), with a minimum loan amount of $25,000 and a maximum loan amount of $250,000. APR based on loan amount of $165,000.
*APR = Annual Percentage Rate. The rate is based on approved credit, direct payment from a SFCU account, and is subject to change without notice. Refinancing existing SFCU loans excluded. Minimum $5.00 deposit account required. This offer may be withdrawn at any time. Other restrictions may apply. Other terms and rates may apply based on the credit worthiness of the borrower and alternative payment sources.
I have been a member for a very long time. I am always satisfied with whatever I need to do at the Credit Union. The staff is always accommodating and courteous. The hours of operation are also very convenient.
SFCU Member
In my 30+ years in Somerset, I have never seen a financial institution with such great service. Keep up the great work, you have a great deal to be proud of.
SFCU Member
Our Loan Officer, Arlene, was so nice to work with. Her knowledge of the loan process and her ability to listen for what we wanted in a mortgage made the transition go smoothly. A very nice experience.
SFCU Member