Mortgage Rates – St. Jean's Credit Union

First Time Home Buyer Program

Term	Points	Interest Rate	APR*	Monthly PaymentsPer $1,000
30 Years	0	7.000%	7.161%	$6.65

*Annual Percentage Rate (APR) effective 10/1/2026 is based on a $100,000 Loan Amount and a 20% Down Payment. 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. Payments shown do not include taxes or insurance. Your payment may be greater. Rates are subject to change without notice.

Fixed Rate Mortgages

Term	Interest	Annual Percentage Rate (APR)*	Monthly Payments Per $1,000
30 Years	7.000%	7.161%	$6.65
20 Years	6.875%	7.084%	$7.68
15 Years	6.625%	6.884%	$8.78

*Annual Percentage Rate (APR) effective 10/1/2026 is based on a $100,000 Loan Amount and a 20% Down Payment. First Mortgage Rates listed are for Purchase transactions only. Refinance and Cash-Out Transactions are subject to applicable rate adjustments. Property Insurance required on all Mortgage, Home Improvement and Home Equity Loans. Payments shown do not include taxes or insurance. Your payment may be greater. Rates are subject to change without notice.

For Jumbo Mortgage inquiries please call 978.219.1000, ext 0122 or 0104.

Adjustable Rate Mortgages

Program	Term	Points	Interest	Annual Percentage Rate (APR)*	Monthly Payments Per $1,000
5/1 ARM	30 Years	0	6.375%	7.498%	$6.24
7/1 ARM	30 Years	0	6.750%	7.500%	$6.49