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
  How much do you want to spend each month?

  How much down? (invested if renting)

  Current Annual Interest Rate

  Length of Loan (Years)

  Expected Long Term Inflation (%)

  Expected Long Term Investment Return (%)

  Expected Long Term Tax Rate (%)
• Mortgage Calculator
  Principal Loan Balance

  Annual Interest Rate

  Amortization Length in Years
  

  Starting Month/Year:

  Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

  Show the full amortization table?

  Show For First Year Only Show Full Table

  Pre-payment Method

  None : No Prepayments Monthly : Pre-pay a set amount each month Annually : Pre-pay a set amount once each year Bi-weekly : 26 half paymts/yr - 2 half pre-paymts each 6 months Bi-weekly : 26 half paymts/yr - 1 full pre-paymt each 12 months One Time : Pre-pay one set amount after a given # of months

  Pre-payment Amount

  Pay One-Time Prepayment After How Many Months?

  
  

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
  How much do you want to spend each month?

  How much down? (invested if renting)

  Current Annual Interest Rate

  Length of Loan (Years)

  Expected Long Term Inflation (%)

  Expected Long Term Investment Return (%)

  Expected Long Term Tax Rate (%)
• Mortgage Calculator
  Principal Loan Balance

  Annual Interest Rate

  Amortization Length in Years
  

  Starting Month/Year:

  Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

  Show the full amortization table?

  Show For First Year Only Show Full Table

  Pre-payment Method

  None : No Prepayments Monthly : Pre-pay a set amount each month Annually : Pre-pay a set amount once each year Bi-weekly : 26 half paymts/yr - 2 half pre-paymts each 6 months Bi-weekly : 26 half paymts/yr - 1 full pre-paymt each 12 months One Time : Pre-pay one set amount after a given # of months

  Pre-payment Amount

  Pay One-Time Prepayment After How Many Months?

  
  

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
  Principal Loan Balance

  Annual Interest Rate

  Amortization Length in Years
  

  Starting Month/Year:

  Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

  Show the full amortization table?

  Show For First Year Only Show Full Table

  Pre-payment Method

  None : No Prepayments Monthly : Pre-pay a set amount each month Annually : Pre-pay a set amount once each year Bi-weekly : 26 half paymts/yr - 2 half pre-paymts each 6 months Bi-weekly : 26 half paymts/yr - 1 full pre-paymt each 12 months One Time : Pre-pay one set amount after a given # of months

  Pre-payment Amount

  Pay One-Time Prepayment After How Many Months?

  
  

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. 

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

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.

Enjoy competitive rates and no prepayment penalty on acreage 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