Home Loan Rates

Rates subject to change at any time. Single-family, owner occupied residence located in Humboldt, Del Norte, or Trinity County. See Credit Union Representative for additional details. All extensions of credit are subject to credit approval. All terms and conditions are subject to change without notice. Offers may be withdrawn at any time. APR based on $100,000 loan amount.

First Mortgage — Owner Occupied

Term Max Loan-to-Value (LTV) Rate APR
10 years 80% 3.250% 3.584%
15 years 80% 3.250% 3.480%
20 years 80% 4.000% 4.183%
30 years 80% 4.125% 4.258%

Max $417,000. An appraisal may not be required for loans $150,000 or less. 

First Mortgage — Non-Owner Occupied

Term Max Loan-to-Value (LTV) Rate APR
7 years 70% 6.250% 6.278%
10 years 70% 6.500% 6.520%
15 years 70% 6.750% 6.765%

Member may choose balloon payment option and have payments amortized over 30 years on any of the terms listed above. An appraisal may not be required for loans $150,000 or less.

Home Equity Loan — Owner Occupied

Term Max Loan-to-Value (LTV) Rate APR
15 years 80% of appraised value less balance of First Mortgage 6.500% 6.510%

Home Equity Loan — Non-Owner Occupied

Term Max Loan-to-Value (LTV) Rate APR
15 years 70% of appraised value less balance of First Mortgage 6.500% 6.510%

Home Equity Line of Credit — Owner Occupied

Term Max Loan-to-Value (LTV) Variable Rate* APR*
7-year draw period
15-year repayment
80% of appraised value
less balance of First Mortgage
Current: 4.00% Minimum: 4.00%
Maximum: 9.75%

Home Equity Line of Credit — Non-Owner Occupied

Term Max Loan-to-Value (LTV) Variable Rate* APR*
7-year draw period
15-year repayment
70% of appraised value
less balance of First Mortgage
Current: 4.00% Minimum: 4.00%
Maximum: 9.75%

Minimum line is $5,000, minimum advance is $500. Payments are amortized over 22 years or $100 whichever is greater.

*Variable Rate & APR: Variable-adjusts every January 1st and July 1st. Index is the 1 Year-Treasury Bill plus a 1.75% margin rounded up to the nearest quarter percent. Maximum change per change date is 1.00%.

Home Loan Rates

Rates subject to change at any time. Single-family, owner occupied residence located in Humboldt, Del Norte, or Trinity County. See Credit Union Representative for additional details. All extensions of credit are subject to credit approval. All terms and conditions are subject to change without notice. Offers may be withdrawn at any time. APR based on $100,000 loan amount.

First Mortgage — Owner Occupied

Term Max Loan-to-Value (LTV) Rate APR
10 years 80% 3.250% 3.584%
15 years 80% 3.250% 3.480%
20 years 80% 4.000% 4.183%
30 years 80% 4.125% 4.258%

Max $417,000. An appraisal may not be required for loans $150,000 or less. 

First Mortgage — Non-Owner Occupied

Term Max Loan-to-Value (LTV) Rate APR
7 years 70% 6.250% 6.278%
10 years 70% 6.500% 6.520%
15 years 70% 6.750% 6.765%

Member may choose balloon payment option and have payments amortized over 30 years on any of the terms listed above. An appraisal may not be required for loans $150,000 or less.

Home Equity Loan — Owner Occupied

Term Max Loan-to-Value (LTV) Rate APR
15 years 80% of appraised value less balance of First Mortgage 6.500% 6.510%

Home Equity Loan — Non-Owner Occupied

Term Max Loan-to-Value (LTV) Rate APR
15 years 70% of appraised value less balance of First Mortgage 6.500% 6.510%

Home Equity Line of Credit — Owner Occupied

Term Max Loan-to-Value (LTV) Variable Rate* APR*
7-year draw period
15-year repayment
80% of appraised value
less balance of First Mortgage
Current: 4.00% Minimum: 4.00%
Maximum: 9.75%

Home Equity Line of Credit — Non-Owner Occupied

Term Max Loan-to-Value (LTV) Variable Rate* APR*
7-year draw period
15-year repayment
70% of appraised value
less balance of First Mortgage
Current: 4.00% Minimum: 4.00%
Maximum: 9.75%

Minimum line is $5,000, minimum advance is $500. Payments are amortized over 22 years or $100 whichever is greater.

*Variable Rate & APR: Variable-adjusts every January 1st and July 1st. Index is the 1 Year-Treasury Bill plus a 1.75% margin rounded up to the nearest quarter percent. Maximum change per change date is 1.00%.

California State & Federal Employees Credit Union

321 Wabash Ave
Eureka, CA 95501

707-443-8662
800-440-8662

NMLS #423538

CSFECU Top 200

Federally Insured by NCUA

California State & Federal Employees Credit Union

321 Wabash Ave
Eureka, CA 95501

707-443-8662
800-440-8662

NMLS #423538

CSFECU Top 200

Federally Insured by NCUA