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Fixed Rate Mortgages

Fixed Rate Mortgages

The security of a fixed payment and DCU service for the life of your mortgage.

At a Glance

Fixed rate mortgages provide the peace of mind of knowing that your monthly principal and interest payment will remain the same for whatever term you choose, plus you’ll have DCU’s exceptional service for the life of the loan.

Features / Benefits

For new home purchases or refinancing – whether you’re a first-time homebuyer or a veteran to the process, we’ve got the options and expertise to walk you through the mortgage process.
3% down program – 1-unit primary residences are eligible for this 30-year program with lender paid mortgage insurance. Borrowers cannot own additional residential property at closing. Other terms and restrictions apply.
No points and no points/no closing cost options.
Terms up to 30 years - allowing you to find a monthly payment that fits into your budget. Borrow for 1 to 4 family primary residences, second homes, or investment properties
60-day rate lock – Don’t lose out on that low rate as you go through the mortgage process!
As Low As
4.10% APR
RATING
4 4 / 5 stars

TERM

30 years

Fixed-Rate Mortgage Rates

The following Fixed Mortgage rates are for loans up to $484,350 (also known as “conforming mortgages") with no points

Terms Terms Points Points Interest Rate Interest Rate APR¹ APR¹ EMP² per $1,000 EMP² per $1,000
30-Year Fixed ³ 0 points 4.500% 4.60% $5.07
30-Year Fixed ⁴ 0 points 4.000% 4.10% $4.77
20-Year Fixed ⁴ 0 points 3.875% 4.01% $5.99
15-Year Fixed ⁴ 0 points 3.750% 3.92% $7.27
10-Year Fixed ⁴ 0 points 3.500% 3.75% $9.89
Terms Terms Points Points Interest Rate Interest Rate APR¹ APR¹ EMP² per $1,000 EMP² per $1,000
30-Year Fixed ³ 0 points 4.500% 4.60% $5.07
30-Year Fixed ⁴ 0 points 4.000% 4.10% $4.77
20-Year Fixed ⁴ 0 points 3.875% 4.01% $5.99
15-Year Fixed ⁴ 0 points 3.750% 3.92% $7.27
10-Year Fixed ⁴ 0 points 3.500% 3.75% $9.89

Rates are effective {currentdate}.

¹APR= Annual Percentage Rates subject to change at any time. Rates locked in today have an expiration date 60 days from today. 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.

²Estimated Monthly Payment per $1000 – Loan principal and interest. If an escrow account for taxes and insurance is required, total monthly payment will be higher.

31 unit owner occupied, purchases only, 97% of home value.

4Owner occupied, up to 95% of home value

Jumbo Fixed-Rate Mortgage Rates

The following Fixed Mortgage rates are for loans over $484,350 (also known as “jumbo mortgage”) with no points

Terms Terms Points Points Interest Rate Interest Rate APR¹ APR¹ EMP² per $1,000 EMP² per $1,000
Jumbo 30-Year Fixed ³ 0 points 4.000% 4.03% $4.77
Jumbo 15-Year Fixed ³ 0 points 3.750% 3.81% $7.27
Jumbo 10-Year Fixed ³ 0 points 3.500% 3.53% $9.89
Terms Terms Points Points Interest Rate Interest Rate APR¹ APR¹ EMP² per $1,000 EMP² per $1,000
Jumbo 30-Year Fixed ³ 0 points 4.000% 4.03% $4.77
Jumbo 15-Year Fixed ³ 0 points 3.750% 3.81% $7.27
Jumbo 10-Year Fixed ³ 0 points 3.500% 3.53% $9.89

Rates are effective {currentdate}

¹APR= Annual Percentage Rates are subject to change at any time. Rates locked in today have an expiration date 60 days from today. Further restrictions apply for loan amounts over $484,350 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.

² 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.

³ Owner occupied, up to 90% of home value

Plan for Your Mortgage

Choose from our easy to use calculators to help you manage or plan for your mortgage.

What Our Members Are Saying

Just what we needed

RATINGS 5 5 / 5 stars

The fact that DCU has the option to have a 90% LTV Home Equity Loan product game changer, and was the main deciding factor on choosing DCU. The service by all parties involved was fantastic. Highly recommend!

Michael – East Taunton, MA

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Amazing service

RATINGS 5 5 / 5 stars

So easy to apply. Questions were answered quickly and in their entirety. Every step was explained. We closed early. We would definitely recommend DCU to anyone!

Pinepup – Phoenix, AZ

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Great loan process & best rates

RATINGS 5 5 / 5 stars

DCU was a standout among all other lenders. The loan process was easy and fast, and they had the best rate by far. They also provided great support and were responsive throughout the process.

Chris – Louisville, KY

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