AUTO REFINANCE OFFER HAS BEEN EXTENDED!

Offer extended through September 30! Click here to learn more.
CEO & Chairman Accept ALS Ice Bucket Challenge

Watch as they get doused with ice cold water! Click here to learn more.
Exclusively for 258 Club Members!

Register to join us for Coushatta Casino fun! Click here to learn more.
Wherever you are...

Cash is never too far way with Allpoint! Click here to learn more.
What is Shared Branching?

Credit unions helping each other, help you! Click here to learn more.
Unwanted Debt?

Move your balance to our lower interest rate credit card. Click here to learn more.
CU On the Go Mobile App

Download our free Mobile Banking App today! Click here to learn more.

Rates & Fees

Real Estate Loan Rates

Print

Last Updated:

Note: Please make sure to "refresh" your browser so that you are able to view the most current information on this page.

Promotional Rates
Loan Type Term in Years APR*
Mortgage Loan Promotion 10 2.800%
  15 2.990%
Maximum debt ratio: 36%; minimum credit score: 660
Maximum LTV 90% for purchase or refinance of primary residence.

Home Equity Loan Promo 10 3.500%
  15 3.875%
Maximum debt ratio: 40%; minimum credit score: 660
Must be in 1st lien position
$10,000 of the loan amount must be new money to the credit union

Mortgage, Home Equity and HELOC Term in Years APR*
  5 4.420%
  10 4.590%
  15 4.590%
  20 4.590%
  30 5.390%
Mortage
Maximum LTV on primary residence is 95%
Maximum LTV on 2nd homes is 80%

Home Equity/HELOC
Maximum CLTV is 80%
Minimum repayment term is 5 yrs.
Minimum Heloc draw period is 5 yrs.
Maximum combined term (inlcuding HELOC draw period)
- 15 yrs. - 2nd lien position
- 20 yrs. - 1st lien position

Unimproved Property Term in Years APR*
  5 6.25% - 9.25%
  15 7.25% - 10.25%
Maximum loan amount: $50,000
Maximum loan amount: 80% of the sales price or appraised value, whichever is less

Home Improvement Term in Years APR*
  5 7.75% - 10.75%
  8 8.25% - 11.25%
  10 8.75% - 11.75%
Collateral does not have to be principal residence
Minimum loan amount: $5,000
Maximum loan amount: lesser of 80% of market value minus any liens or $50,000
Member must hire a general contractor and contractor must complete job with only 90% of funds. The 10% retainage will be released 30 days after we receive a completion certificate from a certified appraiser.

*APR = Annual Percentage Rate.

Some restrictions apply. Rates are subject to change without notice. All of our Real Estate loans have closing costs and they vary depending on the property, type of loan and loan amount. Contact the Real Estate Department if you have questions or for more details.

 

Rates & Fees

Other Services

Apply for Loan! Easy and convenient online loan app. more
Open a Share Account over the phone! Contact us for more info!