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.
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:
Please see our detailed Mortgage Rates Guide for mortgage rates and information.
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.
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
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:
Please see our detailed Mortgage Rates Guide for mortgage rates and information.
Request Information
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 Information
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 | Loan to Value | Wall Street Journal Prime Rate | |||
|---|---|---|---|---|---|
| APR | 4.75% | Loan to Value | 80% or less loan to value | Wall Street Journal Prime Rate | WSJP + 0% |
| APR | 5.50% | Loan to Value | 81% - 90% loan to value | Wall Street Journal Prime Rate | WSJP + 0.75% |
| APR | 6.25% | Loan to Value | 91% - 100% loan to value | Wall Street Journal Prime Rate | WSJP + 1.5% |
| APR | 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%.
Why a home equity loan?
Features of Campus Federal's home equity fixed loans:
| 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.
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 | Loan to Value | Wall Street Journal Prime Rate | |||
|---|---|---|---|---|---|
| APR | 4.75% | Loan to Value | 80% or less loan to value | Wall Street Journal Prime Rate | WSJP + 0% |
| APR | 5.50% | Loan to Value | 81% - 90% loan to value | Wall Street Journal Prime Rate | WSJP + 0.75% |
| APR | 6.25% | Loan to Value | 91% - 100% loan to value | Wall Street Journal Prime Rate | WSJP + 1.5% |
| APR | 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%.
Why a home equity loan?
Features of Campus Federal's home equity fixed loans:
| 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.
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 | Loan to Value | |||
|---|---|---|---|---|---|
| Term | 12 Year Amortization w/ Five Year Balloon | APR | 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.
Enjoy competitive rates and no prepayment penalty on acreage loans.
| Term | APR | Loan to Value | |||
|---|---|---|---|---|---|
| Term | 12 Year Amortization w/ Five Year Balloon | APR | 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.
Financing is available for lots in established residential subdivisions, with competitive rates and no prepayment penalty.
| Term | APR | Loan to Value | |||
|---|---|---|---|---|---|
| Term | 12 Year Amortization w/ Five Year Balloon | APR | 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.
| Term | APR | Loan to Value | |||
|---|---|---|---|---|---|
| Term | 12 Year Amortization w/ Five Year Balloon | APR | 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.