A Residential Mortgage is a loan secured by real property through the use of a mortgage.

  • Property must be a 1 to 4 family dwelling
  • Minimum Loan Amount $25,000
  • Fixed Rate and Adjustable Rate Programs Available
  • Prequalification for purchase transactions available


Affordable financing option for home buyers meeting program criteria.

  • .25% rate reduction applied to any current 1st mortgage product
  • Owner Occupied, home purchase transaction only
  • Loan to value of up to 85%, NO PRIVATE MORTGAGE INSURANCE REQUIRED
  • Income limits apply1


  • $10,000 grant program offered through community-based, member lenders
  • Income limits apply1

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RESIDENTIAL MORTGAGE RATES: Rates Effective as of  09/13/2023 

Mortgage Rates

Term APR3,5 Interest Rate2 Monthly Payments Per $1,0004

4 Monthly payments per $1,000 shown below includes principle and interest and does not include taxes and insurance, actual payment amount may be greater. Mortgage interest rates shown are for one to four-family owner-occupied primary residences with a loan to value of 80.00% or less.

10 Year Fixed 6.898% 6.875% $11.55 0
15 Year Fixed 7.016% 7.000% $8.99 0
20 Year Fixed 7.263% 7.250% $7.90 0
3/1 ARM 5.634% 5.625% $5.76 0
5/1 ARM 6.260% 6.250% $6.16 0
7/1 ARM 6.510% 6.500% $6.32 0

Explore monthly mortgage payments with our Loan Calculator.


1 Income that is less than 80% of the area median income, published annually

2 Rates are subject to change anytime.

3 APR is the annual percentage rate. It represents the cost of credit over the term of the loan expressed as an annual rate. The APR shown here is based on a loan amount of $120,000, stated interest rates and life of loan fees only. It does not take into account other loan specific finance charges you may be required to pay such as prepaid interest.

5 The 3/1 ARM is fixed for the first three years and adjusts annually thereafter, the 5/1 ARM is fixed for the first five years and adjusts annually thereafter, and the 7/1 ARM is fixed for the first seven years and adjusts annually thereafter. The rate on an ARM products will not increase or decrease by more than 2.00% annually and the rate will not increase or decrease more than 6.00% during the term of the loan.

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