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What Can DCU Save You?

Mortgage Rates

Low rates for your new home purchase or refinance

  • Adjustable Rates
  • Fixed Rates
  • VA Rates
  • Investment Property Rates

Adjustable Rate Mortgage (ARM) Rates for loans up to $424,100*

Term / Property Months Points Interest Rate APR** Initial/Annual/
Life Rate Change
Caps
Margin/Index Estimated
Monthly Payment
per $1,000
5/1 ARM First 60
Next 300
0 2.875%
4.000%
3.67%
3.67%
2% / 2% / 5% 2.75% / 1.27% $4.15
$4.68
5/5 ARM First 60
Next 300
0 3.125%
4.375%
4.00%
4.00%
2% / 2% / 5% 2.75% / 1.65% $4.28
$4.89
7/1 ARM First 84
Next 276
0 3.000%
4.000%
3.60%
3.60%
5% / 2% / 5% 2.75% / 1.27% $4.22
$4.66
10/1 ARM First 120
Next 240
0 3.250%
4.000%
3.61%
3.61%
5% / 2% / 5% 2.75% / 1.27% $4.35
$4.65

*Rates are effective  and are subject to change at any time, and may increase. Rates locked in today for 60 days have an expiration date of . Rates apply to loans up to $424,100 (also known as "conforming mortgages").

Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher. The stated amount per $1,000 is based on the fixed rate period and the payment will likely increase after that period of time.

**APR – Annual Percentage Rate. Please note that APR may increase after consummation.

All rates are based upon a 30-year term, owner occupied, and up to 60% of home value.

Rates and Fees disclosed are for loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply for loans outside of those guidelines.

Rate Change Caps – This is the maximum amount interest rates on Adjustable Rate Loans can change up or down. The first number is the amount they can change up or down on the first adjustment date. The second number is the amount they can change each subsequent year on the anniversary date. The third number is the maximum total change, up or down, over the life of the loan. Since the index in the future is unknown, the first adjustment payments displayed are based on the current index plus the margin (fully indexed rate) as of the effective date above.

Adjustable Rate Mortgage (ARM) Rates for loans over $424,100*

Term / Property Months Points Interest Rate APR** Initial/Annual/
Life Rate Change
Caps
Margin/Index Estimated
Monthly Payment
per $1,000
Jumbo 5/1 ARM First 60
Next 300
0 3.000%
4.125%
3.77%
3.77%
2% / 2% / 5% 2.875% / 1.27% $4.22
$4.75
Jumbo 5/5 ARM First 60
Next 300
0 3.250%
4.500%
4.10%
4.10%
2% / 2% / 5% 2.875% / 1.65% $4.35
$4.96
Jumbo 7/1 ARM First 84
Next 276
0 3.125%
4.125%
3.70%
3.70%
5% / 2% / 5% 2.875% / 1.27% $4.28
$4.73
Jumbo 10/1 ARM First 120
Next 240
0 3.375%
4.125%
3.71%
3.71%
5% / 2% / 5% 2.875% / 1.27% $4.42
$4.72

*Rates are effective  and are subject to change at any time, and may increase. Rates locked in today for 60 days have an expiration date of . Rates apply to loans larger than $424,100 (also known as "jumbo mortgages"). Further restrictions apply for loan amounts over $424,100 such as credit score, Loan to Value, etc.

Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher. The stated amount per $1,000 is based on the fixed rate period and the payment will likely increase after that period of time.

**APR – Annual Percentage Rate. Please note that APR may increase after consummation.

All rates are based upon a 30-year term, owner occupied, and up to 60% of home value.

Rates and Fees disclosed are for loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply for loans outside of those guidelines.

Rate Change Caps – This is the maximum amount interest rates on Adjustable Rate Loans can change up or down. The first number is the amount they can change up or down on the first adjustment date. The second number is the amount they can change each subsequent year on the anniversary date. The third number is the maximum total change, up or down, over the life of the loan. Since the index in the future is unknown, the first adjustment payments displayed are based on the current index plus the margin (fully indexed rate) as of the effective date above.

Mortgage Fees

Item Fee
Mortgage Application Fee $300
Rate Lock Fee $0*

* There is no fee to lock your rate.

Other Approximate Mortgage Costs*

Item Approximate Cost
Closing Costs $1,900-$2,100 (not including points) per $100,000**

* Private Mortgage Insurance is also required if the loan to value is greater than 80%. The "Loan to Value" is the total loan amount divided by the value of your property. The value of the property is the lesser of either the purchase price or appraised value. Secondary Market Delivery Fees may be applicable in addition to the Approximate Closing Costs.

** Depends upon the state you are purchasing your home in. Fees may increase based on credit score, down payment, purpose of loan, subordinate financing and property type. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

**Please note that APR (Annual Percentage Rate) may increase after consummation.

Fixed-Rate Mortgage Rates for loans up to $424,100*

Term / Property Points Interest Rate Annual Percentage Rate Estimated
Monthly Payment
per $1,000
30-Year Fixed
1 unit owner occupied, purchases only,
97% of home value
0 points 4.125% 4.21% $4.85
30-Year Fixed
Owner occupied, up to 95% of home value
0 points 3.750% 3.83% $4.63
20-Year Fixed
Owner occupied, up to 95% of home value
0 points 3.625% 3.73% $5.86
15-Year Fixed
Owner occupied, up to 95% of home value
0 points 3.125% 3.25% $6.97
10-Year Fixed
Owner occupied, up to 95% of home value
0 points 2.875% 3.05% $9.60

*Rates are effective  and are subject to change at any time. Rates locked in today for 60 days have an expiration date of . Rates apply to loans up to $424,100 (also known as "conforming mortgages").

Rates and Fees disclosed are for loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply for loans outside of those guidelines.

Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher.

Fixed-Rate Mortgage Rates for loans over $424,100*

Term / Property Points Interest Rate Annual Percentage Rate Estimated
Monthly Payment
per $1,000
Jumbo 30-Year Fixed
Owner occupied, up to 90% of home value
0 points 3.750% 3.80% $4.63
Jumbo 15-Year Fixed
Owner occupied, up to 90% of home value
0 points 3.125% 3.20% $6.97
Jumbo 10-Year Fixed
Owner occupied, up to 90% of home value
0 points 2.875% 2.98% $9.60

*Rates are effective  and are subject to change at any time. Rates locked in today for 60 days have an expiration date of . Rates apply to loans larger than $424,100 (also known as "jumbo mortgages"). Further restrictions apply for loan amounts over $424,100 such as credit score, Loan to Value, etc.

Rates and Fees disclosed are for loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply for loans outside of those guidelines.

Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher.

Mortgage Fees

Item Fee
Mortgage Application Fee $300
Rate Lock Fee $0*

* There is no fee to lock your rate.

Other Approximate Mortgage Costs*

Item Approximate Cost
Closing Costs $1,900-$2,100 (not including points) per $100,000**

* Private Mortgage Insurance is also required if the loan to value is greater than 80%. The "Loan to Value" is the total loan amount divided by the value of your property. The value of the property is the lesser of either the purchase price or appraised value. Secondary Market Delivery Fees may be applicable in addition to the Approximate Closing Costs.

** Depends upon the state you are purchasing your home in. Fees may increase based on credit score, down payment, purpose of loan, subordinate financing and property type. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

VA Mortgage Rates for Home Purchase*

Term / Property Points Interest Rate Annual Percentage Rate Estimated
Monthly Payment
per $1,000
VA Mortgage
30 year term, up to 100% of home value
0 points 4.000% 4.08% $4.77

*Rates are effective  and are subject to change at any time. Rates locked in today for 60 days have an expiration date of . Rates apply to loans up to $424,100 (also known as "conforming mortgages").

Rates and Fees disclosed are for loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply for loans outside of those guidelines.

Estimated Monthly Payment per $1000 – Taxes and insurance premiums, if applicable, are not included and the actual payment obligation will be greater.

Mortgage Fees

Item Fee
Mortgage Application Fee $300
Rate Lock Fee $0*

* There is no fee to lock your rate.

Other Approximate Mortgage Costs*

Item Approximate Cost
Closing Costs $1,900-$2,100 (not including points) per $100,000**

* Private Mortgage Insurance is also required if the loan to value is greater than 80%. The "Loan to Value" is the total loan amount divided by the value of your property. The value of the property is the lesser of either the purchase price or appraised value. Secondary Market Delivery Fees may be applicable in addition to the Approximate Closing Costs.

** Depends upon the state you are purchasing your home in. Fees may increase based on credit score, down payment, purpose of loan, subordinate financing and property type. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

Investment Property Loan Rates*

Term / Property Points Interest Rate Annual Percentage Rate Estimated
Monthly Payment
per $1,000
30-Year Fixed-Rate
1-4 family
0 points 4.250% 4.33% $4.92
15-Year Fixed-Rate
1-4 family
0 points 3.625% 3.76% $7.21

*Rates are effective  and are subject to change at any time. Rates locked in today for 60 days have an expiration date of . Rates and Fees disclosed are for loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply for loans outside of those guidelines. Rates apply to loans up to $424,100 (also known as "conforming mortgages").

Estimated Monthly Payment per $1000 – Taxes and insurance premiums, if applicable, are not included and the actual payment obligation will be greater.

Mortgage Fees

Item Fee
Mortgage Application Fee $300
Rate Lock Fee $0*

* There is no fee to lock your rate.

Other Approximate Mortgage Costs*

Item Approximate Cost
Closing Costs $1,900-$2,100 (not including points) per $100,000**

* Private Mortgage Insurance is also required if the loan to value is greater than 80%. The "Loan to Value" is the total loan amount divided by the value of your property. The value of the property is the lesser of either the purchase price or appraised value. Secondary Market Delivery Fees may be applicable in addition to the Approximate Closing Costs.

** Depends upon the state you are purchasing your home in. Fees may increase based on credit score, down payment, purpose of loan, subordinate financing and property type. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.