Effective July 1, 2025
| Loan Type | Loan Term | APR* |
| In-House First Mortgage Loans | 5 years | 4.99%+ |
| 10 years | 6.29% | |
| 15 years | 7.29% | |
| First Mortgage | 7 – Year Balloon
30-Year Amortization |
As low as 7.79% |
| 15-Year Balloon
30-Year Amortization |
As low as 8.09% | |
Secondary Market
|
10-30 years | Call for Current Rates |
| Mobile Homes (2015 & Newer) | 10 Years
15 Years |
As low as 10.49%
As low as 11.99% |
| Fixed Rate Land | 5 Years
7 Years |
As low as 6.99%
As low as 7.99% |
|
2nd Mortgage/Home Equity Term |
||
| Up to 90% Loan-to-Value | 5 Years | As low as 5.99%* |
| Up to 90% Loan-to-Value | 7 Years | As low as 6.49% |
| Up to 90% Loan-to-Value | 10 Years | As low as 6.79% |
| Up to 90% Loan-to-Value | 15 Years | As low as 7.29% |
| 90.01% – 100% Loan-to-Value | 5 Years | As low as 6.49% |
| 90.01% – 100% Loan-to-Value | 7 Years | As low as 6.99% |
| 90.01% – 100% Loan-to-Value | 10 Years | As low as 7.69% |
| 90.01% – 100% Loan-to-Value | 15 Years | As low as 8.19% |
| Home Equity Line of Credit | ||
| Up to 95% Loan-to-Value | 10 Yr. Draw with 15 Year Repayment | As low as 5.99% (Variable)** |
APPLY FOR A MORTGAGE LOAN NOW
*APR represents Annual Percentage Rate. Rate based on term & individual credit history. New Money Only. Min. Ln. $10,000. Property insurance required. Flood insurance may be required. $25 Membership required. **Rates effective as stated above may vary and are subject to change without prior notice. Promotional Rate based on 4-year term. Annual Percentage Rate that would be in effect if the promotion were not offered would be 8.25% APR. Limited Time Offer. +Min. Ln $25,000. New Money Only – cannot payoff current RCFCU Home Loan. Limited Time Offer.