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Fixed Rate Mortgages

Fixed Rate Mortgages

The security of a fixed principal and interest payment 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

Regular and Jumbo Mortgage options available - For home purchases, borrow for 1 to 4 family primary residences, second homes or investment properties.
Expert guidance - Whether you’re a first-time homebuyer or a veteran to the process, we can walk you through the mortgage process.
Free pre-qualification - Make an offer on your home knowing you have been pre-qualified for a mortgage.
3% down program – 1-unit owner occupied purchase transaction of primary residences are eligible for this 30-year program with lender paid mortgage insurance. Borrowers cannot own additional residential property at closing. Not available for Jumbo Mortgages. Other terms and restrictions apply.
Competitive mortgage insurance premiums
Terms up to 30 years - Allowing you to find a monthly payment that fits into your budget with no prepayment penalties
60-day rate lock – Don’t lose out on that low rate as you go through the mortgage process!
Online access - Manage your account through online and mobile banking from anywhere.
As Low As
3.22% APR
RATING
4 4 / 5 stars

TERM

30 - Year Fixed-Rate

Fixed-Rate Mortgage Rates As Low As

The advertised rates are for mortgage loans up to $510,400.

Terms Terms Interest Rate Interest Rate APR² APR² EMP¹ per $1,000 EMP¹ per $1,000
30-Year Fixed 3.125% 3.22% $4.28
20-Year Fixed 3.000% 3.13% $5.55
15-Year Fixed 2.750% 2.92% $6.79
10-Year Fixed 2.625% 2.87% $9.48
Terms Terms Interest Rate Interest Rate APR² APR² EMP¹ per $1,000 EMP¹ per $1,000
30-Year Fixed 3.125% 3.22% $4.28
20-Year Fixed 3.000% 3.13% $5.55
15-Year Fixed 2.750% 2.92% $6.79
10-Year Fixed 2.625% 2.87% $9.48

¹EMP= Estimated Monthly Payment is for principal and interest per $1,000 borrowed. Payment examples do not include taxes or insurance premiums, payment obligation will be higher.

²APR= Annual Percentage Rates are subject to change at any time.  Rates are determined by creditworthiness, loan-to value (LTV), occupancy status, property type and loan purpose, so your rate could be higher. All loans are subject to approval, other conditions may apply.

Rates are effective {currentdate}.

Jumbo Fixed-Rate Mortgage Rates As Low As

The advertised rates are for mortgage loans over $510,400.

Terms Terms Interest Rate Interest Rate APR² APR² EMP¹ per $1,000 EMP¹ per $1,000
Jumbo 30-Year Fixed 3.250% 3.28% $4.35
Jumbo 15-Year Fixed 2.875% 2.93% $6.85
Jumbo 10-Year Fixed 2.750% 2.78% $9.54
Terms Terms Interest Rate Interest Rate APR² APR² EMP¹ per $1,000 EMP¹ per $1,000
Jumbo 30-Year Fixed 3.250% 3.28% $4.35
Jumbo 15-Year Fixed 2.875% 2.93% $6.85
Jumbo 10-Year Fixed 2.750% 2.78% $9.54

¹EMP= Estimated Monthly Payment is for principal and interest per $1,000 borrowed. Payment examples do not include taxes or insurance premiums, payment obligation will be higher.

²APR= Annual Percentage Rates are subject to change at any time.  Rates are determined by creditworthiness, loan-to value (LTV), occupancy status, property type and loan purpose, so your rate could be higher. All loans are subject to approval, other conditions may apply.

Rates are effective {currentdate}.

 

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Plan for Your Mortgage

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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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