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News and Updates

Rates and Fees

Real Estate Rates

Real Estate Mortgage Loans

Home Equity Loans

Home Equity Lines of Credit


Home Equity

All rates are as of 02/27/15

Owner Occupied Loans
Second Trust Deeds
Home Equity Loan ($10,000 - $500,000)
TypeRatePointsAPR*Est. Pyt./$1000**
20-Year Fixed - 80% CLTV5.875%05.905%$7.09
20-Year Fixed - 90% CLTV7.875%07.918%$8.29
Non-Owner Occupied Loans
Second Trust Deeds
Home Equity Loan ($10,000-$50,000)
TypeRatePointsAPR*Est. Pyt./$1000**
20-Year Fixed - 75% CLTV6.875%06.911%$7.68

* Closed-end Disclosures

* Annual Percentage Rate. Rates are subject to change without notice, some restrictions apply. The above APR is calculated for a $100,000 loan amortized over a 240 month term. Prepaid finance charges vary depending upon the type and amount of your loan. Actual rate will be determined after application and prior to execution of loan documents. 240 months is the maximum term on Home Equity Loans. A lien will be required on the subject property.

** To obtain the approximate loan payment for a 240 month term, multiply the estimated payment by the amount borrowed (i.e. $20,000 borrowed would be calculated as estimated payment x 20).

More information on Home Equity Loans


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Home Equity Lines of Credit

All rates are as 3/14/14

Home Equity Line of Credit Owner Occupied Property
up to Max Loan Amount $250,000
TypeIndex***MarginAPR**Daily Periodic Rate
75% *CLTV3.25%+1.25% to +2.25%4.50% to 5.50%0.012329 - 0.015069
90% *CLTV§3.25%+3.25% to +3.75%6.50% to 7.00%0.0178082 - 0.0191781

*** Wall Street Journal Prime Rate as of 12/16/08. **Minimum APR is 4.00%.

Home Equity Line of Credit Non-Owner Occupied Property
up to Max Loan Amount $50,000
TypeIndex***MarginAPR**Daily Periodic Rate
=<65% *CLTV3.25%+2.25% to +3.00%5.50% to 6.25%0.015069 - 0.017124

* Home Equity Line of Credit Disclosures

Early Closure Fee - CCU will be reimbursed $400 for the costs of the loan when the LOC is paid and closed within the first 36 months from the date originated

Home Equity Line of Credit is a 25 year loan with a 10 Year Draw on available funds; Interest Only Payments.
§ 90% CLTV Home Equity LIne of Credit is a 20 year loan with a 10 year draw on available funds; interest only payments.

Loan amount from $10,000 to $250,000, subject to available equity, credit score and subject property, other conditions may apply.

(CLTV) Combined loan to value based on available equity including mortgage(s) that may not be paid at closing.

** 4.50% APR is our best rates based on credit worthiness, credit score, and a maximum combined loan-to-value (CLTV) of 75% as of date listed. Rates, terms, and conditions subject to change without notice. Prime is Wall Street Journal prime rate, (plus any applicable margin) which is subject to change and may vary monthly. The margin is determined by your credit score. A lien will be required on your primary residence. Maximum APR* is 18%. Minimum APR is 4.00%.

The Corresponding Daily Periodic Rate for 4.50% is 0.012329.

*** Wall Street Journal Prime Rate as of 12/16/08.

More information on Home Equity Line of Credit