Mortgage Rates

We offer attractive rates and terms for your unique home financing needs.

Fixed-Rate Mortgage

Effective Date: Sunday, December 9, 2018

Fixed-Rate Mortgage

TermRateAPR*
10 Year4.000%4.185%
15 Year4.125%4.254%
20 Year4.375%4.477%
30 year4.625%4.700%

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For Jumbo Loans of $453,100.01 and greater add 1/4%.

Maximum loan amount - $500,000. 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 This offer may be withdrawn at any time.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

Effective Date: Sunday, December 9, 2018

Fixed-Rate Construction

TermRateAPR*
10 Year4.125%4.446%
15 Year4.250%4.474%
20 Year4.500%4.677%
30 year4.750%4.881%

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For Jumbo Loans of $453,100.01 and greater add 1/4%.

Maximum loan amount - $500,000. 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 This offer may be withdrawn at any time.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

Effective Date: Sunday, December 9, 2018

Adjustable-Rate Mortgage

TermRateAPR*
1/13.125%5.337%
3/13.250%5.018%
5/13.375%4.781%

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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 This offer may be withdrawn at any time.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

Effective Date: Sunday, December 9, 2018

Miracle Melting Mortgage

TermRateAPR
1-7 Years3.750%4.007%
8-10 Years3.875%4.060%
11-15 Years 4.000%4.129%

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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 = 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 Home Equity Loan - 1st Lien

Effective Date: Sunday, December 9, 2018

Fixed-Rate Home Equity Loan - 1st Lien

TermRateAPR*
10 Years4.625%4.862%
15 Years4.875%5.041%

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APR based on $100,0000. Maximum loan amount - $100,000.

* 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 Home Equity Loan - 2nd Mortgage

Effective Date: Sunday, December 9, 2018

Fixed-Rate Home Equity Loan - 2nd Mortgage

TermRateAPR*
5 Years4.250%4.517%
10 Years4.750%4.892%
15 Years5.250%5.350%

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APR based on $50,000.

* 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.

Home Equity Line of Credit

Effective Date: Sunday, December 9, 2018

Home Equity Line of Credit

TermRateAPR*
10 years2.99%2.99%

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After the first year the interest rate adjusts 1.0% per quarter up until it reaches the current Wall Street Journal Prime rate, not to exceed 18.0%. 

* 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.