Lending Rates

APR = Annual Percentage Rate / APR is your cost over the loan term expressed as a rate. This is not your interest rate.
ARM = Adjustable Rate Mortgage

Payroll Deduction and Funds Transfer payments provide substantial savings in processing costs for SECU.

For all mortgage loans, a loan origination fee of .75% of the loan amount is charged (cap of $1,500).

1Future interest rate changes will be determined based on the five year Constant Maturity Treasury (CMT) yield.

2The interest rate on our 5 year Adjustable Rate Mortgage cannot change by more than 2.0% every 5 years or 6% over the life of the loan.

3100% financing up to maximum loan of $400,000. Restricted to purchases of primary residences located in North Carolina, South Carolina, Virginia, Georgia or Tennessee. First time homebuyers and new or relocated state employees are eligible for additional financing up to $2,000 for closing costs.

4The interest paid on the portion of the loan that is greater than the value of the dwelling is not tax deductible for Federal income tax purposes. Consult a tax advisor for further information regarding the deductibility of interest and charges.

5100.1% - 110% financing up to maximum loan of $400,000. Restricted to no cash-out refinances of primary residences located in North Carolina, South Carolina, Virginia, Georgia or Tennessee.

6100% financing up to maximum loan of $400,000. Restricted to purchases or no cash-out refinances of primary residences located in North Carolina, South Carolina, Virginia, Georgia or Tennessee. First time homebuyers program not available for Fixed Rate products.

7First mortgage with SECU or no first mortgage.

8All current, prior or upcoming year models must have less than 10,000 miles.