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Mortgage & Home Equity Interest Rates

All rates current as of: 1/21/2019

First Mortgages1

Term APR2 as low as
30 Year Fixed 4.750%
20 Year Fixed 4.500%
15 Year Fixed 4.125%
10 Year Fixed 4.000%

LTV of 80% or less - fixed rate


Term APR2 as low as
5/1 ARM 4.1250%

ARM rates are adjustable and subject to daily increase or decrease after consummation of the loan

Home Equity

Term APR3
1-7 Years 5.99%
8-10 Years 6.29%
11-12 Years 6.99%
13-15 Years 7.99%

Home Improvement

Term APR3
Up to 60 Months 7.00%

Closing Costs

First Mortgages feature moderate closing costs, while Home Equity Loans require no closing costs if loan is $5,000 or more.

1LTV of 80% or less - fixed rate

2First Mortgage Annual Percentage Rates (APRs) listed above are minimum "as low as" rates. The rate you pay may be adjusted based on credit score, debit ratio, and loan to value. Rates are subject to change anytime without notice.

3Home Equity & Home Improvement Loan Annual Percentage Rates (APRs) listed above are minimum rates reflecting the highest credit rating, along with a .35% rate discount for Payroll Deduction and Automatic Loan Payments. The rate you pay will be based on individual credit history, account relationships, and the term of the loan. Maximum rate on any loan is 18.00%. Certain restrictions apply.

Mortgage Loans Available

  • Traditional 15 and 30 Year Fixed Rate Mortgages to 80% of Appraised Value
  • Lot Financing/Construction Loan
  • Equity/Cash Out Mortgages
  • ARM Loans

Apply Now!


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Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.


Certain restrictions may apply to the products and services described above. Contact the credit union for details. MUCFCU is not an entity of Miami University.