Enjoy consistent payments for the life of your mortgage. A Campus Federal representative can help you determine whether a 10-year, 15-year, 20-year or 30-year term is right for you.
Please see our detailed Mortgage Rates Guide for mortgage rates and information.
Membership eligibility requirements apply. Rates are subject to change at any time. All rates are subject to credit approval. Additional fees may apply. APR= Annual percentage rate. Monthly payments do not include amounts for property taxes and insurance.
Fixed rate example: For example, a 4.635% APR equals an estimated $4.99 monthly payment for 360 months per $1,000.00 borrowed. APR will not increase after consummation of loan.
Adjustable rate mortgages offer low initial rates (sometimes 1.5%-2.5% APR 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:
Please see our detailed Mortgage Rates Guide for mortgage rates and information.
Membership eligibility requirements apply. Rates are subject to change at any time. All rates are subject to credit approval. Additional fees may apply. APR= Annual percentage rate. Monthly payments do not include amounts for property taxes and insurance.
Adjustable rate example: For example, a 5.019% APR equals an estimated $4.85 monthly payment for the first 84 months per $1,000.00 borrowed. APR may be increased after consummation of loan.
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.
Membership eligibility requirements apply. Rates are subject to change at any time. All rates are subject to credit approval. Additional fees may apply. APR= Annual percentage rate. Monthly payments do not include amounts for property taxes and insurance.
Enjoy consistent payments for the life of your mortgage. A Campus Federal representative can help you determine whether a 10-year, 15-year, 20-year or 30-year term is right for you.
Please see our detailed Mortgage Rates Guide for mortgage rates and information.
Membership eligibility requirements apply. Rates are subject to change at any time. All rates are subject to credit approval. Additional fees may apply. APR= Annual percentage rate. Monthly payments do not include amounts for property taxes and insurance.
Fixed rate example: For example, a 4.635% APR equals an estimated $4.99 monthly payment for 360 months per $1,000.00 borrowed. APR will not increase after consummation of loan.
Adjustable rate mortgages offer low initial rates (sometimes 1.5%-2.5% APR 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:
Please see our detailed Mortgage Rates Guide for mortgage rates and information.
Membership eligibility requirements apply. Rates are subject to change at any time. All rates are subject to credit approval. Additional fees may apply. APR= Annual percentage rate. Monthly payments do not include amounts for property taxes and insurance.
Adjustable rate example: For example, a 5.019% APR equals an estimated $4.85 monthly payment for the first 84 months per $1,000.00 borrowed. APR may be increased after consummation of loan.
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.
Membership eligibility requirements apply. Rates are subject to change at any time. All rates are subject to credit approval. Additional fees may apply. APR= Annual percentage rate. Monthly payments do not include amounts for property taxes and insurance.
Why a home equity line of credit?
Benefits of a home equity line of credit:
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.
| APR As Low As | Loan to Value | Wall Street Journal Prime Rate | |||
|---|---|---|---|---|---|
| APR As Low As | 5.50% | Loan to Value | 80% or less loan to value | Wall Street Journal Prime Rate | WSJP + 0% |
| APR As Low As | 6.25% | Loan to Value | 81% - 90% loan to value | Wall Street Journal Prime Rate | WSJP + 0.75% |
| APR As Low As | 7.00% | Loan to Value | 91% - 100% loan to value | Wall Street Journal Prime Rate | WSJP + 1.5% |
| APR As Low As | 5.25% | 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%.
Why a home equity loan?
Features of Campus Federal's home equity fixed loans:
| Term | APR < 80% Loan to Value | APR 81 - 90% Loan to Value | APR 91 - 100% Loan to Value | ||||
|---|---|---|---|---|---|---|---|
| Term | 6 months - Bridge Loan | APR < 80% Loan to Value | 5.20% | APR 81 - 90% Loan to Value | 5.45% | APR 91 - 100% Loan to Value | 5.70% |
| Term | 0 - 60 months | APR < 80% Loan to Value | 5.20% | APR 81 - 90% Loan to Value | 5.45% | APR 91 - 100% Loan to Value | 5.70% |
| Term | 61 - 120 months | APR < 80% Loan to Value | 5.74% | APR 81 - 90% Loan to Value | 5.99% | APR 91 - 100% Loan to Value | 6.24% |
| Term | 121 - 180 months | APR < 80% Loan to Value | 5.99% | APR 81 - 90% Loan to Value | 6.24% | APR 91 - 100% Loan to Value | 6.49% |
APR = Annual Percentage Rate. Loan rates reflect a .25% discount for auto-debit payments from a Campus Federal or other financial institution account. All rates are based on an evaluation of credit history, so your rate may differ. For example on a loan with less than 80% LTV, 5.20% APR equals an estimated $18.96 monthly payment for 60 months per $1,000 borrowed. Rate will not increase after consummation.
Why a home equity line of credit?
Benefits of a home equity line of credit:
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.
| APR As Low As | Loan to Value | Wall Street Journal Prime Rate | |||
|---|---|---|---|---|---|
| APR As Low As | 5.50% | Loan to Value | 80% or less loan to value | Wall Street Journal Prime Rate | WSJP + 0% |
| APR As Low As | 6.25% | Loan to Value | 81% - 90% loan to value | Wall Street Journal Prime Rate | WSJP + 0.75% |
| APR As Low As | 7.00% | Loan to Value | 91% - 100% loan to value | Wall Street Journal Prime Rate | WSJP + 1.5% |
| APR As Low As | 5.25% | 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%.
Why a home equity loan?
Features of Campus Federal's home equity fixed loans:
| Term | APR < 80% Loan to Value | APR 81 - 90% Loan to Value | APR 91 - 100% Loan to Value | ||||
|---|---|---|---|---|---|---|---|
| Term | 6 months - Bridge Loan | APR < 80% Loan to Value | 5.20% | APR 81 - 90% Loan to Value | 5.45% | APR 91 - 100% Loan to Value | 5.70% |
| Term | 0 - 60 months | APR < 80% Loan to Value | 5.20% | APR 81 - 90% Loan to Value | 5.45% | APR 91 - 100% Loan to Value | 5.70% |
| Term | 61 - 120 months | APR < 80% Loan to Value | 5.74% | APR 81 - 90% Loan to Value | 5.99% | APR 91 - 100% Loan to Value | 6.24% |
| Term | 121 - 180 months | APR < 80% Loan to Value | 5.99% | APR 81 - 90% Loan to Value | 6.24% | APR 91 - 100% Loan to Value | 6.49% |
APR = Annual Percentage Rate. Loan rates reflect a .25% discount for auto-debit payments from a Campus Federal or other financial institution account. All rates are based on an evaluation of credit history, so your rate may differ. For example on a loan with less than 80% LTV, 5.20% APR equals an estimated $18.96 monthly payment for 60 months per $1,000 borrowed. Rate will not increase after consummation.
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.
Financing is available for lots in established residential subdivisions, with competitive rates and no prepayment penalty.
| Term | APR As Low As | Loan to Value | |||
|---|---|---|---|---|---|
| Term | 12 Year Amortization | APR As Low As | 5.25% | 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. For a loan with 90% or less Loan-to-Value with a loan amount of $20,000 and an APR of 5.25%, the monthly payment would be $187.50.
Enjoy competitive rates and no prepayment penalty on acreage loans.
| Term | APR As Low As | Loan to Value | |||
|---|---|---|---|---|---|
| Term | 12 Year Amortization w/ Five Year Balloon | APR As Low As | 7.50% | 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 or other financial institution account. All rates are based on an evaluation of credit history, so your rate may differ. For a loan with 80% or less Loan-to-Value with a loan amount of $20,000 and an APR of 7.50%, the monthly payment would be $211.05 for 60 months with a balloon payment of $13,970.10. Rate will not increase after consummation.
Financing is available for lots in established residential subdivisions, with competitive rates and no prepayment penalty.
| Term | APR As Low As | Loan to Value | |||
|---|---|---|---|---|---|
| Term | 12 Year Amortization | APR As Low As | 5.25% | 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. For a loan with 90% or less Loan-to-Value with a loan amount of $20,000 and an APR of 5.25%, the monthly payment would be $187.50.
| Term | APR As Low As | Loan to Value | |||
|---|---|---|---|---|---|
| Term | 12 Year Amortization w/ Five Year Balloon | APR As Low As | 7.50% | 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 or other financial institution account. All rates are based on an evaluation of credit history, so your rate may differ. For a loan with 80% or less Loan-to-Value with a loan amount of $20,000 and an APR of 7.50%, the monthly payment would be $211.05 for 60 months with a balloon payment of $13,970.10. Rate will not increase after consummation.