Mortgage Loan Rates

Build Your Dream

Whether you are planning on building your dream home or remodeling a home to make it yours, East Texas Professional Credit Union can help make it possible. Take advantage of our great promotional loan rates to make your dream come true.*


INTERIM CONSTRUCTION*

5.75% APR

MAXIMUM TERM 12 MONTHS

 
HOME EQUITY/HOME IMPROVEMENT*
AS LOW AS

5.25% APR


FIVE YEAR ADJUSTABLE
RATE MORTGAGE (ARM)*†

5.75% APR

 

Gray/green luxury home

*ETPCU membership required. Rates subject to change without notice. All loans subject to ETPCU’s normal credit guidelines. † Interest rates may vary based on credit score and/or term. Rate fixed for 60 months. For additional details on adjustable rate caps please see information below.
 
For additional rate and term options, please view our Mortgage Lending Base Rates below. 

























All mortgage loan interest rates shown are the Credit Union’s base rates. These rates may vary based on member’s credit risk score, loan-to-value ratio and property type. All loans subject to East Texas Professional Credit Union’s normal credit guidelines.

Interest rates are effective as of December 16, 2024. Rates are subject to change without notice.

Term Annual Percentage Rate
5 year 6.000%
10 year 6.250%
15 year 6.375%
20 year 6.500%
30 year 6.875%

180 monthly payments of approximately $8.64 per $1,000 based on an interest rate of 6.375% 15 year amortization.*

*All loans are subject to normal ETPCU guidelines. Interest rate may vary based on credit score. Payment example is principal and interest only and excludes Private Mortgage Insurance (PMI) and escrow for property taxes and home owners insurance. Interest rates are subject to change without notice.

All loans subject to East Texas Professional Credit Union’s normal credit guidelines. 
Interest rates are effective as of December 16, 2024. Rates are subject to change without notice.
 
Term Annual Percentage Rate
5/1 ARM 30-Year 5.750%
10/1 ARM 30-Year 6.000%
Annual percentage rate may be increased after consummation.
 

360 monthly payments of approximately $5.84 per $1,000 based on an interest rate of 5.750% 30 year amortization.*

*Rate fixed for 60 months. Annual adjustment cap is 2% after 60 months. Maximum adjustment for the life of the loan is 4.0%.  All loans are subject to normal ETPCU guidelines. Interest rate may vary based on credit score. Payment example is principal and interest only and excludes Private Mortgage Insurance (PMI) and escrow for property taxes and home owners insurance.  Interest rates are subject to change without notice.

All loans subject to East Texas Professional Credit Union’s normal credit guidelines.

Interest rates are effective as of December 16, 2024. Rates are subject to change without notice.

Term
Annual Percentage Rate
5 Year Balloon Rate
6.500%
5 Year Fixed Rate
6.000%
10 Year Fixed Rate
6.875%
60 monthly payments of approximately $7.46 per $1,000 based on an interest rate of 6.500% 20 year amortization.*

*All loans are subject to normal ETPCU guidelines. Interest rate may vary based on credit score. Payment example is principal and interest only and excludes escrow for property taxes. Interest rates are subject to change without notice.
All loans subject to East Texas Professional Credit Union’s normal credit guidelines. 
Interest rates are effective as of December 16, 2024. Rates are subject to change without notice.

Term ANNUAL PERCENTAGE RATE*
3 Year Fixed Rate (0 - 3 yrs)
5.250%
5 Year Fixed Rate (3+ - 5 yrs) 5.500%
7 Year Fixed Rate (6+ - 7 yrs)
 6.000%
10 Year Fixed Rate (9+ - 10 yrs)
 6.250%
12 Year Fixed Rate (10+ - 12 yrs)
 6.500%
15 Year Fixed Rate (12+ - 15 yrs)
 6.750%
20 Year Fixed Rate (15+ - 20 yrs)
 7.000%

*Home Equity/Home Improvement annual percentage rate equals rate based on loan amount of $100,000 or less.

Home Equity/Home Improvement Loans (secured by second liens) will receive a 1% interest rate increase in each tier level.

120 monthly payments of approximately $11.23 per $1,000 based on an interest rate of 6.250% 10 year amortization.**

**All loans are subject to normal ETPCU guidelines. Interest rate may vary based on credit score. Payment example is principal and interest only and excludes escrow for property taxes and home owners insurance. Interest rates are subject to change without notice.

All loans subject to East Texas Professional Credit Union’s normal credit guidelines. 
Interest rates are effective as of December 16, 2024. Rates are subject to change without notice. ETPCU must have first lien. 

Credit Score ANNUAL PERCENTAGE RATE*
680 & Above
7.500%
679 to 620 9.500%
619 & Below 10.500%

* ETPCU must have first lien.
3/7, 10/10, or 5/15 draw/payback period options with initial advances up to 80% LTV.
Rates adjusted annually to Prime Rate (WSP) to a maximum of 18%. 
Minimum loan amount is $15,000.

Minimum payment during draw period is interest only based on balance drawn.
Payment example for payback period: 120 monthly payments of approximately $12.13 per $1,000 based on an interest rate of 7.500% with 10-year amortization.

All loans are subject to normal ETPCU guidelines. Interest rate may vary based on credit score. Payment example during payback period is principal and interest only. Payment example excludes escrow for property taxes and homeowners’ insurance. Property insurance required. 

Interest rates are subject to change without notice.