Home Loans
Mortgages
Fixed Rate Mortgages
Buy a home and lock in a fixed interest rate and payment amount for a 15-year or 30-year period.More Rates
Fixed Rate Mortgages
Enjoy consistent payments for the life of your mortgage. A Campus Federal representative can help you determine whether a 15-year or a 30-year term is right for you.
Please see our detailed Mortgage Rates Guide for mortgage rates and information.
Fixed Rate Mortgages Rates
Adjustable Rate Mortgages (ARMs)
Finance a vacation home or a place for your kids to stay while they’re in college with an ARM that fits your needs.More Rates
Adjustable Rate Mortgages (ARMs)
Adjustable rate mortgages offer low initial rates (sometimes 1.5%-2.5% less than a comparable fixed rate mortgage), and if you expect to move after a short time or are comfortable with the risk that your rate may increase, they can be a great option. Talk to a Campus Federal representative today to determine if an ARM is right for you.
Campus Federal offers:
- 7/1 Adjustable Rate Mortgage- Variable rate; however, interest rate is fixed for first seven years, after that it can increase or decrease annually, which will affect payment amount
- 5/1 Adjustable Rate Mortgage- Variable rate; however, interest rate is fixed for the first five years, after that it can increase or decrease annually, which will affect payment amount.
- Low minimum down payment with no mortgage insurance requirement
- Financing available for single family dwellings, condominiums, townhomes, and duplexes
- No prepayment penalty
- Loan can also be used to finance a primary residence, vacation home or a home for your college student
Please see our detailed Mortgage Rates Guide for mortgage rates and information.
Adjustable Rate Mortgages (ARMs) Rates
Refinancing
Housing costs are one of the largest expenses of most household budgets. With changing interest rates, you should periodically determine whether refinancing at current interest rates would save you money. Campus Federal can help you determine if refinancing is in your best interest.
To determine whether you should consider refinancing, compare the costs of obtaining a new mortgage with the savings you will enjoy with a reduced interest rate. In addition to an updated interest rate, you may also want to consider refinancing to a different type of mortgage, such as switching from an ARM or 5-year balloon to a 15-year or 30-year fixed rate mortgage.
Please see our detailed Mortgage Rates Guide for mortgage rates and information.
Refinancing Rates
Fixed Rate Mortgages
Enjoy consistent payments for the life of your mortgage. A Campus Federal representative can help you determine whether a 15-year or a 30-year term is right for you.
Please see our detailed Mortgage Rates Guide for mortgage rates and information.
Request Information
Fixed Rate Mortgages Rates
Adjustable Rate Mortgages (ARMs)
Adjustable rate mortgages offer low initial rates (sometimes 1.5%-2.5% less than a comparable fixed rate mortgage), and if you expect to move after a short time or are comfortable with the risk that your rate may increase, they can be a great option. Talk to a Campus Federal representative today to determine if an ARM is right for you.
Campus Federal offers:
- 7/1 Adjustable Rate Mortgage- Variable rate; however, interest rate is fixed for first seven years, after that it can increase or decrease annually, which will affect payment amount
- 5/1 Adjustable Rate Mortgage- Variable rate; however, interest rate is fixed for the first five years, after that it can increase or decrease annually, which will affect payment amount.
- Low minimum down payment with no mortgage insurance requirement
- Financing available for single family dwellings, condominiums, townhomes, and duplexes
- No prepayment penalty
- Loan can also be used to finance a primary residence, vacation home or a home for your college student
Please see our detailed Mortgage Rates Guide for mortgage rates and information.
Request Information
Adjustable Rate Mortgages (ARMs) Rates
Refinancing
Housing costs are one of the largest expenses of most household budgets. With changing interest rates, you should periodically determine whether refinancing at current interest rates would save you money. Campus Federal can help you determine if refinancing is in your best interest.
To determine whether you should consider refinancing, compare the costs of obtaining a new mortgage with the savings you will enjoy with a reduced interest rate. In addition to an updated interest rate, you may also want to consider refinancing to a different type of mortgage, such as switching from an ARM or 5-year balloon to a 15-year or 30-year fixed rate mortgage.
Please see our detailed Mortgage Rates Guide for mortgage rates and information.
Request InformationRefinancing Rates
Other Loans
Home Equity Line of Credit
Manage your financial situation by borrowing against the equity in your home.More Rates
Home Equity Line of Credit
Why a home equity line of credit?
- It’s convenient and flexible – there’s no requirement that the money is used on your home.
- Interest rates are typically lower than credit card rates.
- You may save on your income taxes with an interest deduction. (Always consult with a tax professional before making tax decisions.)
Benefits of a home equity line of credit:
- Savings of up to $300 in closing costs!1
- Competitive rates
- $5,000 minimum line of credit
- Variable rate of interest indexed to the Wall Street Journal's Prime lending rate2
- Payroll deduction, Bill Pay and transfer payment options available
- No prepayment penalty
1 On lines of credit in which the first draw is $15,000 or more. Some restrictions apply. Contact a Campus Federal representative for more details.
2 Rates are subject to change at any time. All rates are subject to credit approval. Additional fees may apply, including a one-time membership fee of $10 for a new member.
Home Equity Line of Credit Rates
| APR As Low As | Loan to Value | Wall Street Journal Prime Rate | |||
|---|---|---|---|---|---|
| APR As Low As | 4.75% | Loan to Value | 80% or less loan to value | Wall Street Journal Prime Rate | WSJP + 0% |
| APR As Low As | 5.50% | Loan to Value | 81% - 90% loan to value | Wall Street Journal Prime Rate | WSJP + 0.75% |
| APR As Low As | 6.25% | Loan to Value | 91% - 100% loan to value | Wall Street Journal Prime Rate | WSJP + 1.5% |
| APR As Low As | 4.50% | Loan to Value | First Mortgage < 80% loan to value | Wall Street Journal Prime Rate | WSJP - 0.25% |
APR = Annual Percentage Rate. Rate is variable, indexed to the Wall Street Journal Prime Rate (WSJP) with a floor of 3.25%.
Home Equity Fixed Loan
Borrow against the equity in your home for a fixed payment term loan.More Rates
Home Equity Fixed Loan
Why a home equity loan?
- It’s convenient and flexible – there’s no requirement that the money is used on your home.
- Interest rates are typically lower than credit card rates.
- You may save on your income taxes with an interest deduction. (Always consult with a tax professional before making tax decisions.)
Features of Campus Federal's home equity fixed loans:
- Competitive rates
- $5,000 minimum loan
- Payroll deduction, Bill Pay and transfer payment options available
- No prepayment penalty
Home Equity Fixed Loan Rates
| Term | |||||||
|---|---|---|---|---|---|---|---|
| Term | 6 months - Bridge Loan | 5.45 % | 5.70 % | 5.95 % | |||
| Term | 0 - 60 months | 5.45 % | 5.70 % | 5.95 % | |||
| Term | 61 - 120 months | 5.99 % | 6.24 % | 6.49 % | |||
| Term | 121 - 180 months | 6.24 % | 6.49 % | 6.74 % |
APR = Annual Percentage Rate.
Home Equity Line of Credit
Why a home equity line of credit?
- It’s convenient and flexible – there’s no requirement that the money is used on your home.
- Interest rates are typically lower than credit card rates.
- You may save on your income taxes with an interest deduction. (Always consult with a tax professional before making tax decisions.)
Benefits of a home equity line of credit:
- Savings of up to $300 in closing costs!1
- Competitive rates
- $5,000 minimum line of credit
- Variable rate of interest indexed to the Wall Street Journal's Prime lending rate2
- Payroll deduction, Bill Pay and transfer payment options available
- No prepayment penalty
1 On lines of credit in which the first draw is $15,000 or more. Some restrictions apply. Contact a Campus Federal representative for more details.
2 Rates are subject to change at any time. All rates are subject to credit approval. Additional fees may apply, including a one-time membership fee of $10 for a new member.
Home Equity Line of Credit Rates
| APR As Low As | Loan to Value | Wall Street Journal Prime Rate | |||
|---|---|---|---|---|---|
| APR As Low As | 4.75% | Loan to Value | 80% or less loan to value | Wall Street Journal Prime Rate | WSJP + 0% |
| APR As Low As | 5.50% | Loan to Value | 81% - 90% loan to value | Wall Street Journal Prime Rate | WSJP + 0.75% |
| APR As Low As | 6.25% | Loan to Value | 91% - 100% loan to value | Wall Street Journal Prime Rate | WSJP + 1.5% |
| APR As Low As | 4.50% | Loan to Value | First Mortgage < 80% loan to value | Wall Street Journal Prime Rate | WSJP - 0.25% |
APR = Annual Percentage Rate. Rate is variable, indexed to the Wall Street Journal Prime Rate (WSJP) with a floor of 3.25%.
Home Equity Fixed Loan
Why a home equity loan?
- It’s convenient and flexible – there’s no requirement that the money is used on your home.
- Interest rates are typically lower than credit card rates.
- You may save on your income taxes with an interest deduction. (Always consult with a tax professional before making tax decisions.)
Features of Campus Federal's home equity fixed loans:
- Competitive rates
- $5,000 minimum loan
- Payroll deduction, Bill Pay and transfer payment options available
- No prepayment penalty
Home Equity Fixed Loan Rates
| Term | |||||||
|---|---|---|---|---|---|---|---|
| Term | 6 months - Bridge Loan | 5.45 % | 5.70 % | 5.95 % | |||
| Term | 0 - 60 months | 5.45 % | 5.70 % | 5.95 % | |||
| Term | 61 - 120 months | 5.99 % | 6.24 % | 6.49 % | |||
| Term | 121 - 180 months | 6.24 % | 6.49 % | 6.74 % |
APR = Annual Percentage Rate.
Construction Loan
Financing is available during the construction period of your home, with competitive fixed rates and no prepayment penalty, and you pay interest only during the construction phase. Once your home is built, finance it with a permanent mortgage.
Construction Loan Rates
Lot Loan
Financing is available for lots in established residential subdivisions, with competitive rates and no prepayment penalty.
Lot Loan Rates
| Term | APR As Low As | Loan to Value | |||
|---|---|---|---|---|---|
| Term | 12 Year Amortization w/ Five Year Balloon | APR As Low As | 5.75% | Loan to Value | 90% loan to value |
APR = Annual Percentage Rate. Loan rates reflect a .25% discount for auto-debit payments from a Campus Federal account. All rates are based on an evaluation of credit history, so your rate may differ.
Unimproved Acreage
Invest in your vision for the future with a loan for property up to 10 acres.More Rates
Unimproved Acreage
Enjoy competitive rates and no prepayment penalty on acreage loans.
Unimproved Acreage Rates
| Term | APR As Low As | Loan to Value | |||
|---|---|---|---|---|---|
| Term | 12 Year Amortization w/ Five Year Balloon | APR As Low As | 8.00% | Loan to Value | 80% loan to value |
APR = Annual Percentage Rate. Loan rates reflect a .25% discount for auto-debit payments from a Campus Federal account. All rates are based on an evaluation of credit history, so your rate may differ.
Residential Single Pay (Bridge Loans)
Fund the purchase of a new residence before you sell your current home.More
Residential Single Pay (Bridge Loans)
- $5,000 minimum loan
- $500,000 maximum loan
- Secured by a mortgage on your current home
- Payroll deduction, Bill Pay and transfer payment options available
- No prepayment penalty
Residential Single Pay (Bridge Loans) Rates
Lot Loan
Financing is available for lots in established residential subdivisions, with competitive rates and no prepayment penalty.
Lot Loan Rates
| Term | APR As Low As | Loan to Value | |||
|---|---|---|---|---|---|
| Term | 12 Year Amortization w/ Five Year Balloon | APR As Low As | 5.75% | Loan to Value | 90% loan to value |
APR = Annual Percentage Rate. Loan rates reflect a .25% discount for auto-debit payments from a Campus Federal account. All rates are based on an evaluation of credit history, so your rate may differ.
Unimproved Acreage
Unimproved Acreage Rates
| Term | APR As Low As | Loan to Value | |||
|---|---|---|---|---|---|
| Term | 12 Year Amortization w/ Five Year Balloon | APR As Low As | 8.00% | Loan to Value | 80% loan to value |
APR = Annual Percentage Rate. Loan rates reflect a .25% discount for auto-debit payments from a Campus Federal account. All rates are based on an evaluation of credit history, so your rate may differ.
Residential Single Pay (Bridge Loans)
- $5,000 minimum loan
- $500,000 maximum loan
- Secured by a mortgage on your current home
- Payroll deduction, Bill Pay and transfer payment options available
- No prepayment penalty