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Compare Your Options
Rate APR Estimated Payment Terms
15-Year Traditional Fixed-Rate Mortgage As low as 4.500% As low as 4.767% $7.79 per $1,000 per month
for 15 years
30-Year Traditional Fixed-Rate Mortgage As low as 4.850% As low as 5.007% $5.37 per $1,000 per month
for 30 years
5/5 Adjustable-Rate Mortgage (ARM) As low as 4.000% As low as 4.131% $4.85 per $1,000 per month
for initial fixed rate period (5 years)
10/10 Adjustable-Rate Mortgage (ARM) As low as 4.500% As low as 5.509% $5.68 per $1,000 per month
for initial fixed rate period (10 years)
15-Year Refinance As low as 4.500% As low as 4.614% $7.71 per $1,000 per month
for 15 years
30-Year Refinance As low as 4.625% As low as 4.691% $5.18 per $1,000 per month
for 30 years

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Aplicación en Español >

APR=Annual Percentage Rate. Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. Rates are subject to credit score, loan-to-value matrix adjustments and normal credit underwriting factors. Payments do not include amounts for taxes and insurance premiums. Actual payment obligation may be greater. ARM interest rates and payments are subject to increase after initial fixed-rate period (5 years for a 5/5 ARM, 10 years for a 10/10 ARM). ARM interest rates are subject to change at set intervals (every 5 years for a 5/5 ARM, every 10 years for a 10/10 ARM). ARM rate adjustments are determined by an index and margin, the index of which is variable and therefore unknown for future payments. Additional terms available. NMLS #405608. Rates as of 10.15.18. Equal Housing Lender logo

 


Traditional Fixed-Rate Mortgage

If you think you’ll be staying put in the same home for many years to come, a traditional fixed-rate mortgage may be right for you.

  • Down payment as low as 5%
  • No prepayment penalty
  • Primary residence and second or vacation home
  • Use PlusPoints to save up to 0.50% on mortgage origination fees
  • Receive a rebate when using HomeAdvantage
  • Take advantage of exclusive savings with TruStage™ Home Insurance

APPLY

Aplicación en Español >

APR=Annual Percentage Rate. Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. NMLS #405608. Equal Housing Lender logo

 


Adjustable-Rate Mortgage (ARM)

Looking for a lower rate? The 5/5 or the 10/10 adjustable-rate mortgage might be the right choice. Adjustable-rate mortgages have a fixed interest rate and fixed payment for an initial period of time (five years for a 5/5 and ten years for a 10/10). Once that time period is over, the rate is adjusted. This adjustment takes place every five or ten years after that for the life of the loan.

  • Available in 5/5 and 10/10 ARM terms on 30-year amortization terms
  • Great option if you plan on owning your home for a short time frame
  • Can be used for home purchase or refinance
  • Low fees and closing costs
  • Use PlusPoints to save up to 0.50% on mortgage origination fees
  • Receive a rebate when using HomeAdvantage
  • Take advantage of exclusive savings with TruStage™ Home Insurance

APPLY

APR=Annual Percentage Rate. Membership required. Programs, rates, terms, and conditions are subject to change without notice. Normal lending criteria apply. All loans subject to credit approval. NMLS #405608. Equal Housing Lender logo


Refinance Your Mortgage

Saving money on your mortgage is simple and easy with A+FCU.

Refinancing could help you:

  • Reduce your interest rate
  • Lower your payments
  • Pay off your balance quicker

APPLY

Aplicación en Español >

APR=Annual Percentage Rate. Membership required. Normal lending criteria apply. Program, rates, terms, and conditions are subject to change without notice. NMLS #405608. Equal Housing Lender logo