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.

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2nd Mortgage Loan Rates

Fixed Rate	Annual Percentage Rate (APR)
up to 60 months	As low as 7.25 %
61 to 120 months	As low as 7.50 %
121 to 180 months	As low as 7.75 %

Rates Effective 03-23-23

Appraisal or AVM (Automated Valuation Method) required. Colorado real estate only. Maximum loan amount is $400,000. Contact the credit union for estimated closing costs.

Home Equity Lines

Variable Rate	Annual Percentage Rate (APR)
Wall Street Journal Prime Rate -.50%	As low as 7.50 %
Wall Street Journal Prime Rate +1.00%	As low as 9.00 %

Rates Effective 03-23-23

Appraisal or AVM (Automated Valuation Method) required. Maximum loan amount is $400,000 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 03-23-23

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 03-23-23

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 03-23-23

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.

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