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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.

Interest rates are effective as of October 1, 2018. 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%

180 monthly payments of approximately $8.17 per $1,000 based on an interest rate of 5.50%.*
*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.

In-House Adjustable

All loans subject to East Texas Professional Credit Unionís normal credit guidelines.

Interest rates are effective as of October 1, 2018. 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.

360 monthly payments of approximately $4.49 per $1,000 based on an interest rate of 3.50%.*
*Rate fixed for 60 months. Annual adjustment cap is 2% after 60 months. Maximum adjustment for the life of the loan is 6%.  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.

In-House Land

All loans subject to East Texas Professional Credit Unionís normal credit guidelines.

Interest rates are effective as of October 1, 2018. Rates are subject to change without notice.

  Annual Percentage Rate
5 Year Balloon Rate 5.250%
10 Year Fixed Rate 5.750%

60 monthly payments of approximately $18.99 per $1,000 based on an interest rate of 5.25%.*
*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.

Home Equity/Home Improvement Rates

All loans subject to East Texas Professional Credit Unionís normal credit guidelines.

Interest rates are effective as of October 1, 2018. 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.

96 monthly payments of approximately $12.66 per $1,000 based on an interest rate of 5.00%.**
**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.