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: Wednesday, April 30, 2025
| 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 This offer may be withdrawn at any time.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: Wednesday, April 30, 2025
| 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 This offer may be withdrawn at any time.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: Wednesday, April 30, 2025
| 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 This offer may be withdrawn at any time.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: Wednesday, April 30, 2025
| 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: Wednesday, April 30, 2025
| 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.
Our friend mentioned how great SFCU was to work with. The staff makes you feel welcome. Working with the mortgage team was great and very helpful.
SFCU Member
I sincerely appreciate the personalized experience we receive from all of the staff at SFCU, whether it be the person greeting you at the front door, the tellers, the staff that helps with notarizations, mortgages or wire transfers. I have dealt with all of these areas at the Credit Union and have always been assisted in a timely, friendly and helpful manner. It is by far the best bank/credit union I do and have ever done business with.
SFCU Member
This was the first time I had purchased a vehicle without going through a dealer for financing. When I went to the Credit Union I was seen immediately by the Loan Department. The Loan Officer was very knowledgeable. I was given a list of documents to gather and was promptly taken care of when I returned with them. My wife will be contacting your office about refinancing her student loans.
SFCU Member