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Current Rates
Loan TypesInterest RateDiscount PointsAPRMonthly Mortgage Payment (P&I)Rate and Payment Details
10 - Year Fixed2.750%03.273%


Payment Details

15 - Year Fixed3.125% 3.488%$696.61Payment Details
20 - Year Fixed4.125%4.416%$612.59Payment Details
30 - Year Fixed4.125% 4.336%$484.65Payment Details
15 - Year High Balance3.250%3.332%$3,372.81Payment Details 
30 - Year High Balance4.375%4.423%$2,396.57Payment Details 
5/1 Year ARM3.000%4.059%$421.61Payment Details 
7/1 Year ARM3.250%4.047% $435.21Payment Details 
10/1 Year ARM3.500%4.038%$449.05Payment Details 
Home Equity Line of Credit (2 in 1 Product)4.000% 4.000% $333.34Payment Details 

 *Rates as of 04/28/2017 

Rates are based on the following assumptions:

  • Conventional Loans: $100,000 loan amount and 20% down payment (net equity).
  • High Balance Loans: $480,000 loan amount and 20% down payment
  • Jumbo Loans: $625,000 loan amount and 20% down payment (net equity).
  • Note that the rates and/or fees may be higher based upon your credit score.
  • For rate and payment details click here
  • Home Equity Line of Credit: $100,000
Home Equity Line of Credit
Loan TypeMaximum AmountMaximum TermAnnual Percentage Rate
Adjustable Rate Line of Credit
Home Equity$150,00010-year draw period, 20-year repayment period after last draw. Possible 30-year maximum term.Prime Rate
Fixed Rate Conversion Options
Fixed Rate Conversion$150,0005 years3.875%
Fixed Rate Conversion$150,00010 years4.875%
Fixed Rate Conversion$150,00015 years5.125%
Fixed Rate Conversion$150,00020 years5.625%
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Rates are based on the following assumptions:

  • A combined loan-to-value of 80% or less and a credit score indicative of an excellent credit record.
  • Note that the rates and/or fees may be higher based upon your credit score and appraised value.

APR = Annual Percentage Rate. A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.

Discount Points = A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1000 to the lender. These points are usually collected at closing and may be paid by the borrower or the home seller, or may be split between them.


Rates posted are indications only and are subject to change without notice. Your actual rate and/or points may be different, as many factors can affect the final interest rate. The Rate and Payment quotes listed above are based upon the above assumptions.

Rate Locks are available after loan terms have been discussed with an OE Federal Loan Officer using verified credit, Loan-to-Value and borrower qualifications.

High-Balance Mortgages allow for higher loan limits beyond the $417,000 conforming limit up to $625,500 for high-cost areas as determined by the Federal Finance Agency (FHFA). These higher limits are designed to make home ownership more affordable in areas with the highest home prices and are typically priced below jumbo mortgage loans.

All rates are subject to change without notice. For the most up-to-date rates, please call Member Services at 800.877.4444.

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