Mortgage Rates

The loan programs we offer are unique to Members 1st Federal Credit Union. Your rate may vary from what is listed. Your interest rate will be based on your credit history, current credit report and loan-to-value (LTV). The payments do not include amounts for taxes and insurance premiums. To learn more about these programs and many others, call us at (800) 283-2328, ext. 6026 or reach out to one of our Mortgage Experts for assistance.

Mortgage Rates

Program Name Rate APR
15 Year Fixed (Conforming Purchase) 3.375% 3.443%
30 Year Fixed (Conforming Purchase) 3.875% 3.913%
PHFA (Other) 5.000% 5.041%
USDA (USDA-RHS) 3.625% 3.663%
FHA - Purchase (FHA) 3.250% 3.956%
FHA - Refi (FHA) 3.375% 4.082%
VA - Purchase (VA)(FHA) 3.250% 3.488%
VA - Refi (VA) 3.375% 3.615%
3 Year Land (Other) 4.250% 4.289%
5 Year Land (Other) 4.375% 4.415%
7 Year Land (Other) 4.750% 4.791%
10 Year Land (Other) 4.875% 4.916%
12 Year Land (Other) 6.000% 6.044%
5/1 ARM (Conforming) 3.625% 4.613%
*Pro 5/1 ARM (Other) 4.125% 4.804%
*Pro 10/1 ARM (Other) 4.250% 4.687%
*Pro 15/1 ARM (Other) 4.375% 4.534%
*Phys 5/1 ARM (Other) 4.125% 4.804%
*Phys 10/1 ARM (Other) 4.250% 4.687%
*Phys 15/1 ARM (Other) 4.375% 4.534%
* = Special Program. The APR for Adjustable Rate Mortgages (ARM) is variable.

*Sample terms: If you borrow $294,500.00 at 4.903 APR with a 30-year term, your estimated monthly payment may be $1514.14 for principal and interest. The payment amount does not include taxes and insurance and the actual payment may be greater. Annual percentage rate at a 80% loan to value.

Rates are subject to change without notice.
Rates last updated on 7/19/2019.

Mortgage Calculators

Our online calculators serve as helpful tools during the mortgage process.


Apply now for a better mortgage experience.




How Much Can You Afford?

Take the first step and get prequalified.


Results of the mortgage affordability estimate/prequalification are guidelines; the estimate isn't an application for credit and results don't guarantee loan approval or denial.

All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Other restrictions and limitations apply.

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