| Description | APR* |
|---|---|
| as low as | |
| 10 Year Fixed** **Rate based on $150K loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rate based on a 30 day lock. | 5.750% |
| 15 Year Fixed** **Rate based on $150K loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rate based on a 30 day lock. | 5.750% |
| 20 Year Fixed** **Rate based on $150K loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rate based on a 30 day lock. | 6.000% |
| 30 Year Fixed** **Rate based on $150K loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rate based on a 30 day lock. | 6.000% |
| Rural Development | 6.375% |
| 5 Year Balloon Construction Loan | Contact Us |
| 10 Year Construction Loan | 6.125% |
| 15 Year Construction Loan | 6.250% |
| 20 Year Construction Loan | 6.625% |
| 30 Year Construction Loan | 6.750% |
| 5 Yr. Balloon | 6.875% |
| 10 Yr. Balloon | 6.975% |
*APR=Annual Percentage Rate. Contact us for more information. A loan application fee applies and is included in the APR calculation. FCU Mortgage rates are subject to change at anytime. To get a specific rate, for your individual situation, please contact our Mortgage Department at 989.497.1600.
**Rates are based on a $150,000 loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rates are based on a 30 day lock.
**Rates are based on a $150,000 loan amount. Rates and fees may vary based on market conditions and are subject to change at any time. Rates are based on a 30 day lock.
Effective Date: November 24, 2025
On Computer, Phone, App:
- Login to Online Banking
- Choose New Accounts
- Choose Apply for Loan
- Click More Loan Info
- Select Loan Type
