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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.
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Fixed Rate Mortgages

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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.

 

  • Buy vs. Rent Calculator
  • Mortgage Calculator


Fixed Rate Mortgages Rates

Please see our detailed Mortgage Rates Guide for mortgage rates and information.


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.
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Adjustable Rate Mortgages (ARMs)

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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:

  • Competitive rates
  • 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
  • Buy vs. Rent Calculator
  • Mortgage Calculator


Adjustable Rate Mortgages (ARMs) Rates

Please see our detailed Mortgage Rates Guide for mortgage rates and information.


Refinancing

Should you refinance your mortgage?
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Refinancing

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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.

  • Mortgage Calculator


Refinancing Rates

Please see our detailed Mortgage Rates Guide for mortgage rates and information.


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.

 

  • Buy vs. Rent Calculator
  • Mortgage Calculator


Request Information

Fixed Rate Mortgages Rates

Please see our detailed Mortgage Rates Guide for mortgage rates and information.


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:

  • Competitive rates
  • 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
  • Buy vs. Rent Calculator
  • Mortgage Calculator


Request Information

Adjustable Rate Mortgages (ARMs) Rates

Please see our detailed Mortgage Rates Guide for mortgage rates and information.


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.

  • Mortgage Calculator


Request Information

Refinancing Rates

Please see our detailed Mortgage Rates Guide for mortgage rates and information.


Other Loans

Home Equity Line of Credit

Manage your financial situation by borrowing against the equity in your home.
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Home Equity Line of Credit

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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 Loan to Value Wall Street Journal Prime Rate
APR 4.25% Loan to Value 80% or less loan to value Wall Street Journal Prime Rate WSJP + 0%
APR 5.25% Loan to Value 81% - 90% loan to value Wall Street Journal Prime Rate WSJP + 1%
APR 5.75% Loan to Value 91% - 100% loan to value Wall Street Journal Prime Rate WSJP + 1.5%
APR 4.00% Loan to Value First Mortgage < 80% loan to value Wall Street Journal Prime Rate WSJP - .25%

Rate is variable, indexed to the Wall Street Journal Prime Rate (WSJP) with a floor of 3.25%. Rate changes are made on the first day of each calendar quarter.

Home Equity Fixed Loan

Borrow against the equity in your home for a fixed payment term loan.
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Home Equity Fixed Loan

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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 %

Construction Loan

Start from scratch on a home built to your specifications.
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Construction Loan

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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

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. 

Request Information

Home Equity Line of Credit Rates

APR Loan to Value Wall Street Journal Prime Rate
APR 4.25% Loan to Value 80% or less loan to value Wall Street Journal Prime Rate WSJP + 0%
APR 5.25% Loan to Value 81% - 90% loan to value Wall Street Journal Prime Rate WSJP + 1%
APR 5.75% Loan to Value 91% - 100% loan to value Wall Street Journal Prime Rate WSJP + 1.5%
APR 4.00% Loan to Value First Mortgage < 80% loan to value Wall Street Journal Prime Rate WSJP - .25%

Rate is variable, indexed to the Wall Street Journal Prime Rate (WSJP) with a floor of 3.25%. Rate changes are made on the first day of each calendar quarter.

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
Request Information

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 %

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.

 

Request Information

Construction Loan Rates

Lot Loan

Build your dream home in the perfect spot with competitive rates on lot loans.
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Lot Loan

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Financing is available for lots in established residential subdivisions, with competitive rates and no prepayment penalty.

Lot Loan Rates

Term APR Loan to Value
Term 12 Year Amortization w/ Five Year Balloon APR 5.75% Loan to Value 90% loan to value

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.
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Unimproved Acreage

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Enjoy competitive rates and no prepayment penalty on acreage loans.

Unimproved Acreage Rates

Term APR Loan to Value
Term 12 Year Amortization w/ Five Year Balloon APR 8.00% Loan to Value 80% loan to value

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.
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Residential Single Pay (Bridge Loans)

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  • $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.

Request Information

Lot Loan Rates

Term APR Loan to Value
Term 12 Year Amortization w/ Five Year Balloon APR 5.75% Loan to Value 90% loan to value

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

Enjoy competitive rates and no prepayment penalty on acreage loans.

Request Information

Unimproved Acreage Rates

Term APR Loan to Value
Term 12 Year Amortization w/ Five Year Balloon APR 8.00% Loan to Value 80% loan to value

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
Request Information

Residential Single Pay (Bridge Loans) Rates