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Mortgage Loan Rates

In-House Fixed Purchase or Refinance

All mortgage loan interest rates shown are the Credit Unionís base rates. These rates may vary based on memberís credit risk score, loan-to-value ratio and property type. All loans subject to East Texas Professional Credit Unionís normal credit guidelines. Rates are subject to change without notice.

Loan rates are effective as of June 1, 2017. Rates are subject to change without notice.

  Annual Percentage Rate
5 Year 4.000%
10 Year 4.750%
15 Year 5.500%
20 Year 6.000%
30 Year 6.750%
In-House Adjustable

All loans subject to East Texas Professional Credit Unionís normal credit guidelines. Rates are subject to change without notice.

Loan rates are effective as of June 1, 2017. Rates are subject to change without notice.

  Annual Percentage Rate
5/1 ARM 30 Year 3.500%

Annual percentage rate may be increased after consummation.

In-House Land

All loans subject to East Texas Professional Credit Unionís normal credit guidelines. Rates are subject to change without notice.

Loan rates are effective as of June 1, 2017. Rates are subject to change without notice.

  Annual Percentage Rate
5 Year Balloon Rate 5.250%
10 Year Fixed Rate 5.750%
Home Equity/Home Improvement Rates

All loans subject to East Texas Professional Credit Unionís normal credit guidelines. Rates are subject to change without notice.

Loan rates are effective as of June 1, 2017. Rates are subject to change without notice.

  Annual Percentage Rate*
3 Year Fixed Rate (0 - 3 yrs) 3.375%
5 Year Fixed Rate (3+ - 5 yrs) 3.750%
6 Year Fixed Rate (5+ - 6 yrs) 4.500%
7 Year Fixed Rate (6+ - 7 yrs) 4.750%
8 Year Fixed Rate (7+ - 8 yrs) 5.000%
9 Year Fixed Rate (8+ - 9 yrs) 5.250%
10 Year Fixed Rate (9+ - 10 yrs) 5.750%
12 Year Fixed Rate (10+ - 12 yrs) 6.000%
15 Year Fixed Rate (12+ - 15 yrs) 6.250%
20 Year Fixed Rate (15+ - 20 yrs)   6.500%

*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.