Mortgage Rates

So you're looking for information on our mortgage rates? You should find what you're looking for here. Thanks to our not for profit status, we can offer remarkably low rates. And with Capital, you enjoy a local mortgage process.

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Term Rate* APR Points Monthly Payment**
30 Year 3.875% 3.926% 0.000 $705.36
20 Year 3.5% 3.571% 0.000 $869.94
15 Year 3.125% 3.215% 0.000 $1,044.91
 
Rates accurate as of 1/21/2022.

*Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value. Private Mortgage Insurance (PMI) required for Fixed Rate Mortgage loans with a term greater than 15 years and less than 20% down. Additional rates and terms are available.
 
**Actual payments will be higher with taxes and insurance. Displayed rates assume a purchase price of $250,000 with loan amount of $150,000 and a minimum credit score of 740.
 
General DisclosuresIf the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment.The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, settlement agent fees, and origination charges). When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.The estimated total closing costs used in the calculation above do not constitute and are not a substitute for a loan estimate, which includes an estimate of closing costs you will receive once you apply for a loan. This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include other additional fees and costs.If you are a service member on active duty, prior to seeking a refinance of your existing mortgage loan, please consult with your legal advisor regarding the relief you may be eligible for under the Servicemembers Civil Relief Act or applicable state law.


Term Rate* APR Points Monthly PAyment***
7 year ARM** 2.75% 2.880% 0.000 $612.36
5 year ARM** 2.625% 2.854% 0.000 $602.48
3 year ARM** 2.625% 2.889% 0.000 $602.48
 
Rates accurate as of 1/21/2022.

*Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value. 

**Adjustment could occur after initial term. Published rate may be adjusted based on credit score and down payment. ARMs require 5% down payment with Private Mortgage Insurance (PMI), PMI is not required with greater than 10% down. Adjustment is based on an index of UST1YW (1-year Constant Maturity weekly average yield) plus margin of 2.75%. Maximum annual adjustment is 2%; maximum over the life of the loan is 5%. No conversion option. Additional rates and terms are available.

***Actual payments will be higher with taxes and insurance. Displayed rates assume a value of $250,000 with loan amount of $150,000 and a minimum credit score of 740 and an amortization term of 30 years. APR and payment amount may increase after consummation.

General DisclosuresIf the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment.The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, settlement agent fees, and origination charges). When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.The estimated total closing costs used in the calculation above do not constitute and are not a substitute for a loan estimate, which includes an estimate of closing costs you will receive once you apply for a loan. This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include other additional fees and costs.If you are a service member on active duty, prior to seeking a refinance of your existing mortgage loan, please consult with your legal advisor regarding the relief you may be eligible for under the Servicemembers Civil Relief Act or applicable state law.



Fixed Rate

Term Rate* APR Points Monthly Payment**
7 year Fixed 2.750% 2.956% 0.000 $327.52
5 year Fixed 2.750% 3.035% 0.000 $446.45
 

Adjustable Rate (ARM)

Term Rate* APR Points Monthly Payment***
5 year ARM+ 2.750% 3.227% 0.000 $135.54
3 year ARM+
 2.500% 3.275% 0.000 $132.48
 
Rates accurate as of 1/21/2022.

*Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value.

**Displayed rates and payments based on a second mortgage and assume a property value of $250,000, loan amount of $25,000 (10% of value), and a first mortgage less than $175,000 or 70% of the value of the home/property and a minimum credit score of 740. Additional rates and terms are available. This monthly payment does not include taxes or insurance.

***Displayed rates and payments based on a second mortgage and assume a property value of $250,000, loan amount of $25,000 (10% of value), an amortization term 20 years,  and a first mortgage less than $175,000 or 70% of the value of the home/property and a minimum credit score of 740. APR and payment amount may increase after consummation. Additional rates and terms are available. This monthly payment does not include taxes or insurance.

+Adjustment could occur after initial term. Published rate may be adjusted based on credit score and down payment. ARMs require 5% down payment with Private Mortgage Insurance (PMI), PMI is not required with greater than 10% down. Adjustment is based on an index of UST1YW (1-year Constant Maturity weekly average yield) plus margin of 3.5%. Maximum annual adjustment is 2%; maximum over the life of the loan is 5%. No conversion option. Additional rates and terms are available.


General Disclosures
If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, settlement agent fees, and origination charges). When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.
These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
The estimated total closing costs used in the calculation above do not constitute and are not a substitute for a loan estimate, which includes an estimate of closing costs you will receive once you apply for a loan. This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include other additional fees and costs.
If you are a service member on active duty, prior to seeking a refinance of your existing mortgage loan, please consult with your legal advisor regarding the relief you may be eligible for under the Servicemembers Civil Relief Act or applicable state law.



Term APR* MOnthly Payment**
Up to 10 year draw period 3.25% $100

*APR = Annual Percentage Rate. APR is based on owner occupied status, credit score and a loan to value (LTV) of 80% or less. Variable rate tied to Wall Street Prime Rate, with a floor of 3% and a maximum rate of 11.50%. Rates and terms are subject to change at any time and without notice.
 
**Monthly payment is based on balance of $10,000. Minimum monthly payment will equal the greater of $100.00 or $1.00 for each $100 (and fraction thereof) of the Principal Loan Balance as of the end of the month of the billing cycle of the most recent advance. This monthly payment does not include taxes or insurance.