Mortgage Rates
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Up To $10,000* for Down Payment and Closing Costs
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Homebuyers must meet income eligibility requirements and:
Contribute at least $1,000 to the purchase of the home
Complete pre-purchase homebuyer education and counseling
Live in the home as your primary residence
*Downpayment Plus® is a program from the Federal Home Loan Bank of Chicago. Restrictions apply. Please see the Federal Home Loan Bank of Chicago's website at www.fhlbc.com for complete requirements. "Downpayment Plus® " is a registered trademark of the Federal Home Loan Bank of Chicago.
Apply Now Schedule Appointment
Contribute at least $1,000 to the purchase of the home Complete pre-purchase homebuyer education and counseling Live in the home as your primary residence *Downpayment Plus® is a program from the Federal Home Loan Bank of Chicago. Restrictions apply. Please see the Federal Home Loan Bank of Chicago's website at www.fhlbc.com for complete requirements. "Downpayment Plus® " is a registered trademark of the Federal Home Loan Bank of Chicago.
Apply Now Schedule Appointment
Fixed Rate Mortgage Loans
Fixed Rate Mortgage Loans
*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. Maximum loan amount at these rates is $832,750.00.
**Taxes and insurance are not included; therefore, the actual payment obligation will be greater. Displayed rates assume a first mortgage with a purchase price or value of $218,750 with loan amount of $175,000 and a minimum credit score of 740.
**Taxes and insurance are not included; therefore, the actual payment obligation will be greater. Displayed rates assume a first mortgage with a purchase price or value of $218,750 with loan amount of $175,000 and a minimum credit score of 740.
Adjustable-Rate Mortgage (ARM) Loans
Adjustable-Rate Mortgage (ARM) Loans
Rates effective 05/15/2026
*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. Maximum loan amount at these rates is $832,750.00.
**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 (United States Treasury Securities 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.
*** Taxes and insurance are not included; therefore, the actual payment obligation will be greater. Displayed rates assume a first mortgage with a purchase price or value of $218,750 with loan amount of $175,000 and a minimum credit score of 740 and an amortization term of 30 years. APR and payment amount may increase after consummation.
Home Equity Loans - Fixed Rate Mortgage
Home Equity Loans - Fixed Rate Mortgage
Rates effective 05/15/2026
*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. $10,000 in new money excluding fees required. Additional rates and terms are available. This monthly payment does not include taxes or insurance.
Rates and APRs may vary based on creditworthiness, loan amount, term, and property value. $10,000 in new money excluding fees required. Not available on existing applications or loans. Property insurance is required. Flood insurance may be required. All loans subject to credit approval and membership eligibility. Other terms and conditions may apply. NMLS 442983. Equal Housing Opportunity. Federally Insured by the NCUA. Contact Capital Credit Union for more details 920-494-2828 or toll free 800-728-4294.
†Rates effective 4/13/2026 through 6/30/2026.The 5.358% Annual Percentage Rate (APR) are based on a 5-year fixed-rate home equity loan of $25,000, with a payment of $474.75, for a borrower with a credit score of 740 and a total combined loan-to-value (CLTV) of 80%. The loan is secured by a second mortgage on a primary residence with an estimated property value of $250,000 and an existing first mortgage of $175,000.
Home Equity Loans - Adjustable Rate Mortgage (ARM)
Home Equity Loans - Adjustable Rate Mortgage (ARM)
Rates effective 05/15/2026
*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), 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. $10,000 in new money excluding fees required. APR and payment amount may increase after consummation. Additional rates and terms are available. This monthly payment does not include taxes or insurance.
Rates and APRs may vary based on creditworthiness, loan amount, term, and property value. $10,000 in new money excluding fees required. Not available on existing applications or loans. Property insurance is required. Flood insurance may be required. All loans subject to credit approval and membership eligibility. Other terms and conditions may apply. NMLS 442983. Equal Housing Opportunity. Federally Insured by the NCUA. Contact Capital Credit Union for more details 920-494-2828 or toll free 800-728-4294.
+Adjustment could occur after initial term. Adjustment is based on an index of UST1YW (United States Treasury Securities 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.
Rates effective 4/13/2026 through 6/30/2026.
Home Equity Line of Credit (HELOC)
Home Equity Line of Credit (HELOC)
*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 Journal Prime Rate, with a floor of 3% and a maximum rate of 11.50%. Minimum draw amount $1. Finance charges may be imposed. Closing costs could range from $60-$1200. Rates and terms are subject to change at any time and without notice.
**Displayed rate and payment 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. 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.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.
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.