

30 YR CONVENTIONAL CONFORMING 
30 YR CONVENTIONAL CONFORMING 
15 YR CONVENTIONAL CONFORMING 
15 YR CONVENTIONAL CONFORMING 
7 YEAR ADJUSTABLE RATE MORTGAGE80% LTV 
7 YEAR ADJUSTABLE RATE MORTGAGE90% LTV 
5 YEAR ADJUSTABLE RATE MORTGAGE80% LTV 
5 YEAR ADJUSTABLE RATE MORTGAGE90% LTV 
CONSTRUCTION 
30 YEAR FHA 
30 YEAR RURAL DEVELOPMENT 
Rates last updated on Wednesday, January 16, 2019

30 YR CONVENTIONAL CONFORMING
Term: 30 years

Rates  APR  Points 

4.25%  4.508%  1% 


The rates quoted for this product are for loans Campus Federal typically sells to another investor. Minimum down payment required on this loan product is 5%.
IMPORTANT NOTE: Rates disclosed are base rates only and can be impacted by a variety of loan characteristics, including occupancy, loan amount, loan to value, credit score, loan purpose, and number of units.
RATES QUOTED ARE NOT LOCKED IN AND ARE SUBJECT TO CHANGE.
For example, a 4.635% APR equals an estimated $4.99 monthly payment for 360 months per $1,000.00 borrowed. 

30 YR CONVENTIONAL CONFORMING
Term: 30 years

Rates  APR  Points 

4.5%  4.673%  0% 


The rates quoted for this product are for loans Campus Federal typically sells to another investor. Minimum down payment required on this loan product is 5%.
IMPORTANT NOTE: Rates disclosed are base rates only and can be impacted by a variety of loan characteristics, including occupancy, loan amount, loan to value, credit score, loan purpose, and number of units. RATES QUOTED ARE NOT LOCKED IN AND ARE SUBJECT TO CHANGE.
For example, a 4.799% APR equals an estimated $5.14 monthly payment for 360 months per $1,000.00 borrowed.


15 YR CONVENTIONAL CONFORMING
Term: 15 years

Rates  APR  Points 

3.875%  4.326%  1% 


The rates quoted for this product are for loans Campus Federal may either sell to another investor or service directly. If the loan is serviced by the credit union, the maximum loan to value is 80% or 20% down payment. The credit union does not escrow for taxes and insurance and are therefore, paid by the member. If the loan is sold to one of our investors, the minimum down payment required is 5%.
IMPORTANT NOTE: Rates disclosed are base rates only and can be impacted by a variety of loan characteristics, including occupancy, loan amount, loan to value, credit score, loan purpose, and number of units.
RATES QUOTED ARE NOT LOCKED IN AND ARE SUBJECT TO CHANGE.
For example, a 4.326% APR equals an estimated $7.33 monthly payment for 180 months per $1,000.00 borrowed.


15 YR CONVENTIONAL CONFORMING
Term: 15 years

Rates  APR  Points 

4.125%  4.426%  0% 


The rates quoted for this product are for loans Campus Federal may either sell to another investor or service directly. If the loan is kept by the credit union, the maximum loan to value is 80% or a 20% down payment. The credit union does not escrow for taxes and insurance and are therefore, paid by the member. If the loan is sold, the minimum down payment required is 5%.
IMPORTANT NOTE: Rates disclosed are base rates only and can be impacted by a variety of loan characteristics, including occupancy, loan amount, loan to value, credit score, loan purpose, and number of units.
RATES QUOTED ARE NOT LOCKED IN AND ARE SUBJECT TO CHANGE.
For example, a 4.425% APR equals an estimated $7.46 monthly payment for 180 months per $1,000.00 borrowed. 

7 YEAR ADJUSTABLE RATE MORTGAGE80% LTV
Term: 30 years



The rate is fixed for the first 7 years before it begins to adjust annually. This is a loan product that Campus Federal will service. The credit union does not escrow for taxes and insurance and are therefore, paid by the member.
IMPORTANT NOTE: Rates disclosed are base rates only and can be impacted by a variety of loan characteristics, including occupancy, loan amount, loan to value, credit score, loan purpose, and number of units.
RATES QUOTED ARE NOT LOCKED IN AND ARE SUBJECT TO CHANGE.
For example, a 5.019% APR equals an estimated $4.85 monthly payment for the first 84 months per $1,000.00 borrowed.


7 YEAR ADJUSTABLE RATE MORTGAGE90% LTV
Term: 30 years

Rates  APR  Points 

4.25%  5.06%  1% 


The rate is fixed for the first 7 years before it begins to adjust annually. This is a loan product that Campus Federal will service. The credit union does not escrow for taxes and insurance and are therefore, paid by the member.
IMPORTANT NOTE: Rates disclosed are base rates only and can be impacted by a variety of loan characteristics, including occupancy, loan amount, loan to value, credit score, loan purpose, and number of units.
RATES QUOTED ARE NOT LOCKED IN AND ARE SUBJECT TO CHANGE.
For example, a 5.141% equals an estimated $4.99 monthly payment for the first 84 months per $1,000.00 borrowed.


5 YEAR ADJUSTABLE RATE MORTGAGE80% LTV
Term: 30 years

Rates  APR  Points 

3.75%  4.999%  1% 


The rate is fixed for the first 5 years before it begins to adjust annually. This is a loan product that Campus Federal will service. The credit union does not escrow for taxes and insurance and are therefore, paid by the member.
IMPORTANT NOTE: Rates disclosed are base rates only and can be impacted by a variety of loan characteristics, including occupancy, loan amount, loan to value, credit score, loan purpose, and number of units.
RATES QUOTED ARE NOT LOCKED IN AND ARE SUBJECT TO CHANGE.
For example, a 5.07% APR equals an estimated $4.70 for the first 60 months per $1,000.00 borrowed.


5 YEAR ADJUSTABLE RATE MORTGAGE90% LTV
Term: 30 years



The rate is fixed for the first 5 years before it begins to adjust annually. This is a loan product that Campus Federal will service. The credit union does not escrow for taxes and insurance and are therefore, paid by the member.
IMPORTANT NOTE: Rates disclosed are base rates only and can be impacted by a variety of loan characteristics, including occupancy, loan amount, loan to value, credit score, loan purpose, and number of units.
RATES QUOTED ARE NOT LOCKED IN AND ARE SUBJECT TO CHANGE.
For example, a 5.163% APR equals an estimated $4.85 monthly payment for the first 60 months per $1,000.00 borrowed.


CONSTRUCTION
Term: 12 months

Rates  APR  Points 

4.99%  10.719%  1% 


This product is a loan to finance the construction of a primary residence on land. It is an interest only loan for a term of 12 months. Interest only payments are due monthly on only the current balance at that time. The total construction cost is divided into 5 draws. Construction loans can only be made if there is a preapproval for permanent financing in place.
IMPORTANT NOTE: Rates disclosed are base rates only and can be impacted by a variety of loan characteristics, including loan amount, loan to value, and credit score.
RATES QUOTED ARE NOT LOCKED IN AND ARE SUBJECT TO CHANGE.


30 YEAR FHA
Term: 30 years

Rates  APR  Points 

4.375%  4.635%  1% 


The rates quoted for this product are for loans Campus Federal typically sells to another investor and follow normal FHA guidelines.
IMPORTANT NOTE: Rates disclosed are base rates only and can be impacted by a variety of loan characteristics, including occupancy, loan amount, loan to value, credit score, loan purpose, and number of units.
RATES QUOTED ARE NOT LOCKED IN AND ARE SUBJECT TO CHANGE.
For example, a 4.635% APR equals an estimated $5.08 monthly payment for 360 months per $1,000.00 borrowed. 

30 YEAR RURAL DEVELOPMENT
Term: 30 years

Rates  APR  Points 

4.125%  4.381%  1% 


The rates quoted for this product are for loans Campus Federal typically sells to another investor and follow normal Rural Development guidelines.
IMPORTANT NOTE: Rates disclosed are base rates only and can be impacted by a variety of loan characteristics, including occupancy, loan amount, loan to value, credit score, loan purpose, and number of units.
RATES QUOTED ARE NOT LOCKED IN AND ARE SUBJECT TO CHANGE.
For example, a 4.508% APR equals an estimated $4.97 monthly payment for 360 months per $1,000.00 borrowed. 


