Realizing Homeownership

When you're ready to own a home you realize things will be different.
  • You'll love the yard, but realize it's basically your dog's toilet.
  • You'll love the extra space, but realize it's no longer possible to speed clean 10 minutes before guests arrive.
  • You'll love the new home gadgets, but realize it's on you if they need to be fixed.
  • You'll love the adult feeling, but realize it comes with a lot of taxes. 
The realizations may seem scary, but when you can host a party without worrying about that Karen lady complaining that you're too loud, it'll be worth it. Get started on your dream home.

Create an account to get started on your home loan application.

Home Loan Rates

for you to choose


Rates* as low as
Monthly Payment***
30 year Fixed 3.000% 3.038% 0.000 $632.41
15 year fixed 2.500% 2.569% 0.000 $1,000.18
7 year ARM** 2.50% 2.708% 0.000 $592.68
Rates accurate as of 5/7/2021.

Home Loan Options
decide what's best for you

Adjustable Rate Mortgage
An Adjustable Rate Mortgage (ARM) is pretty much what you would expect - a home loan where the interest rate could change over the course of the loan. When you see an ARM listed, for example a 7 year ARM, it means the rate is locked in for the first 7 years. After that it could adjust depending on the market. 
  • The initial interest rate is normally lower than a fixed-rate mortgage
  • Often a good fit if you don't think you'll be in the house past the initial fixed rate period.

Fixed-Rate Mortgage
The steady option, the loyal friend. With a fixed rate mortgage, your monthly principal and interest payments stay the same for the full term of your loan. You choose the term that works best for you, like a 15 year or 30 year term.
  • Great option for those planning to stay in their home for a long period of time
  • Your monthly principal and interest payments stay the same

*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.
**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 on 7 year is 2%; maximum over the life of the loan is 5%. No conversion to fixed rate option. Additional rates and terms are available.
***Actual payments will be higher with taxes and insurance. Fixed Rate and Adjustable Rate Mortgage (ARM) – Displayed rates assume a value of $250,000 with loan amount of $150,000 and a minimum credit score of 740. Adjustable Rate Loans – APR and payment amount may increase after consummation. 
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.
Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau’s Web site ( HMDA data for many other financial institutions are also available at this Web site.

Capital Credit Union NMLS# 442983
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