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Rates & Fees

Real Estate Lending Rates

Mortgage Rates

First Mortgage ProductPointsInterest RateAPRMo Pmt. per $1,000
St. Jean's CU First Time Homebuyers05.000%5.131%$5.37
30 Year Fixed
Requirement: 5% Down Payment
Rate Subject to receiving FTHB Cert.
First Mortgage ProductPointsInterest RateAPRMo Pmt. per $1,000
30 Year Fixed
30 Year Fixed14.875%5.094%$5.29
30 Year Fixed05.000%5.131%$5.37
First Mortgage ProductPointsInterest RateAPRMo Pmt. per $1,000
20 Year Fixed
20 Year Fixed14.625%4.918%$6.39
20 Year Fixed04.750%4.924%$6.46
First Mortgage ProductPointsInterest RateAPRMo Pmt. per $1,000
15 Year Fixed
15 Year Fixed14.375%4.742%$7.59
15 Year Fixed04.500%4.716%$7.65
First Mortgage ProductPointsInterest RateAPRMo Pmt. per $1,000
5/1 ARM04.500%5.342%$5.07
7/1 ARM04.750%5.354%$5.22
10/1 ARM05.000%5.413%$5.413

Equity Rates

Heloc - Product DescriptionPointsInterest RateAPRMo Pmt. per $1,000
Home Equity Line-Of-Credit04.750%N/A$3.96
Prime Minus 0.500% for Life
(Current Prime 5.250% As of 10/1/2018)
Maximum 80% LTV
Minimum Loan Amount $15,000
Max Loan Amount $500,000
Minimum APR (floor) 4.000%
Maximum APR (ceiling) 18.00%
10 Yr Draw, 10 Yr Fixed Repayment Period
Annual Percentage Rate (APR) is variable and is subject to change without notice
New Loans Only, unless existing St. Jean's Credit
Union Line increases by $15,000.00 or more.
Heloc - Product DescriptionPointsInterest RateAPRMo Pmt. per $1,000
Home Equity Line-of-Credit - Non Owner-Occupied08.250%N/A$6.87
Prime Plus 3.00% for Life
(Current Prime 5.250% As of: 10/1/2018)
Maximum 80% LTV/TLTV, Closing Costs Apply
Minimum Loan Amount $50,000
Maximum Loan Amount $500,000
Minimum APR (Floor) 7.500%
Maximum APR (Ceiling) 18.00%
5 Yr Draw, 15 Yr Fixed Repayment Period
Annual Percentage Rate (APR) is variable and is subject to change without notice
New Loans Only, unless existing St. Jean's Credit Union line
increases by $15,000.00 or more.
Fixed Equity/Second Mtg - Product DescriptionPointsInterest RateAPRMo Pmt. per $1,000
Fixed Rate Home Equity 2nd MTG-Primary Residence06.000%N/A$6.44
Maximum 80% LTV
Term 25 Years
Maximum Loan Amount $500,000
Fixed Rate Home Equity 2nd MTG-Primary Residence05.750%N/A$7.02
Maximum 80% LTV
Term 20 Years
Maximum Loan Amount $500,000
Fixed Rate Home Equity 2nd MTG-Primary Residence05.000%N/A$7.91
Maximum 80% LTV
Term 15 Years
Maximum Loan Amount $500,000
Fixed Rate Home Equity 2nd MTG-Primary Residence04.750%N/A$10.48
Maximum 80% LTV
Term 10 Years
Maximum Loan Amount $500,000
Fixed Rate Home Equity 2nd MTG-Primary Residence04.000%N/A$18.42
Maximum 80% LTV
Term 5 Years
Maximum Loan Amount $500,000
*For Jumbo Mortgage inquiries please call 978.219.1000, ext 130, 132, 122.  Annual Percentage Rate (APR) is based on a $100,000 Loan Amount and a 20% Down Payment. Adjustable Rate Mortgages are subject to increases upon consummation. First Mortgage Rates listed are for Purchase and No Cash-Out Refinance transactions only. Property Insurance required on all Mortgage, Home Improvement and Home Equity Loans. Rates are subject to change without notice.

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