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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 Homebuyers04.500%4.625%$5.07
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 Fixed14.375%4.586%$4.99
30 Year Fixed04.500%4.625%$5.07
First Mortgage ProductPointsInterest RateAPRMo Pmt. per $1,000
20 Year Fixed
20 Year Fixed14.125%4.413%$6.13
20 Year Fixed04.250%4.420%$6.19
First Mortgage ProductPointsInterest RateAPRMo Pmt. per $1,000
15 Year Fixed
15 Year Fixed13.875%4.242%$7.33
15 Year Fixed04.000%4.216%$7.40
First Mortgage ProductPointsInterest RateAPRMo Pmt. per $1,000
5/1 ARM04.000%4.800%$4.77
7/1 ARM04.250%4.797%$4.92
10/1 ARM04.500%4.835%$5.07

Equity Rates

Heloc - Product DescriptionPointsInterest RateAPRMo Pmt. per $1,000
Home Equity Line-Of-Credit05.000%N/A$4.17
Prime Minus 0.500% for Life
(Current Prime 5.500% As of 12/20/2018)
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-Occupied08.500%N/A$7.08
Prime Plus 3.00% for Life
(Current Prime 5.500% As of: 12/20/2018)
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 Residence05.750%N/A$6.29
Maximum 80% LTV
Term 25 Years
Maximum Loan Amount $500,000
Fixed Rate Home Equity 2nd MTG-Primary Residence05.500%N/A$6.88
Maximum 80% LTV
Term 20 Years
Maximum Loan Amount $500,000
Fixed Rate Home Equity 2nd MTG-Primary Residence04.750%N/A$7.78
Maximum 80% LTV
Term 15 Years
Maximum Loan Amount $500,000
Fixed Rate Home Equity 2nd MTG-Primary Residence04.500%N/A$10.36
Maximum 80% LTV
Term 10 Years
Maximum Loan Amount $500,000
Fixed Rate Home Equity 2nd MTG-Primary Residence03.750%N/A$18.30
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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