Mortgage Rates

1st Mortgage Loan Rates

We offer a variety of loan options from which to choose, including 5-year to 30- year-fixed-rate mortgages and FHA products. And with our free pre-approvals, you’ll have peace of mind knowing that when you shop for your home, you can already afford your monthly mortgage payment.

View Rates

2nd Mortgage Loan Rates

Fixed Rate	Annual Percentage Rate (APR)
up to 60 months	As low as 4.50 %
61 to 120 months	As low as 4.75 %
121 to 180 months	As low as 5.00 %

Rates Effective 9-9-2021

Appraisal or AVM (Automated Valuation Method) required. Colorado real estate only. Maximum loan amount is $250,000 for 70% LTV or less, $125,000 for 80% LTV or less. For loans greater than 80% LTV, maximum loan amount is $75,000. Contact the credit union for estimated closing costs.

Home Equity Lines

Variable Rate	Annual Percentage Rate (APR)
Wall Street Journal Prime Rate -.750%	As low as 3.50 %
Wall Street Journal Prime Rate +1.00%	As low as 4.25 %

Rates Effective 9-9-2021

Appraisal or AVM (Automated Valuation Method) required. Maximum loan amount is $250,000 up to 90% CLTV.
The maximum variable Annual Percentage Rate (APR) is 18.00% or the maximum rate allowed by law. Minimum variable APR is 3.50%. Contact the credit union for estimated closing costs.

Raw Land

Fixed Rate	Interest Rate	Annual Percentage Rate (APR)
up to 60 months	8.40 %	9.04 % (includes a 1.5% origination fee)
61 to 120 months	8.50 %	8.85 % (includes a 1.5% origination fee)

Rates Effective 9-9-2021

Appraisal required. Colorado Real Estate only. Maximum amount financed is $200,000 or 70% of appraised value or selling price. Contact the credit union for estimated closing costs.

New Mobile Homes

Fixed Rate	Annual Percentage Rate (APR)
up to 84 months ($0- $15,000 financed)	8.75 %
85 to 120 months ($15,001 - $25,000 financed)	9.75 %
121 to 180 months ($25,001 - $90,000 financed)	11.75 %

Rates Effective 9-9-2021

New mobile homes only. Mobile home must be member's primary residence. Amount financed cannot exceed 80% of purchase price, excluding taxes.

Used Mobile Homes

Fixed Rate	Annual Percentage Rate (APR)
Up to 60 months (less than $10,000 financed)	10.25 %
61 to 84 months ($10,001 - $20,000 financed)	11.50 %
85 to 120 months ($20,001 - $60,000 financed)	12.25 %

Rates Effective 9-9-2021

Used mobile homes ten (10) model years or newer. Includes purchase or refinance of a mobile home. Mobile home must be member's primary residence. Amount financed limited to 80% of the appraised value.