Mortgage Rates

Mortgage Rates

Mortgages

Ready to buy your dream home or refinance your current home? Talk to a Mortgage Specialist at IH Credit Union for a wide variety of options and (of course) low rates and low closing costs.

MLO Numbers

Home Equity Loans & Lines of Credit

Whether you’re expanding or improving your home, consolidating bills, or making needed repairs, the equity in your home is the smart, low-costs way to get the funds you need. Plus, the interest you pay is usually tax-deductible (consult your tax advisor).

(Last Modified: January 8, 2018)
Type of Loan Annual Percentage Rate (APR) Maximum Term Other Conditions**
First Mortgage - ARM,
Owner Occupied		2.65%
2.95%		360 months1 year adjustable
3 year adjustable
First Mortgage - ARM,
Investment Property, Lots, Vacant Land		6.00% APR
6.50% APR		360 months1 year adjustable
3 year adjustable
First Mortgage - Fixed
Owner Occupied		as low as 3.59% APR*
as low as 3.69% APR*
as low as 3.79% APR*
as low as 3.89% APR*
as low as 3.99% APR*		120 months*
180 month*
240 months*
300 months*
360 months*
Second Mortgages - Fixedas low as 5.75% APR*
as low as 6.00% APR*
as low as 6.25% APR*		60 months*
120 months*
180 month*
Home Equity LOC -
Adjustable Rate 		as low as 4.50% APR*180 months* The annual percentage rate may vary. The maximum annual percentage rate that may be imposed is 18%.

*Rates subject to change. The actual rate and payment amount will reflect a member's individual circumstance and credit score and may be higher than the rates above.
**Other conditions may apply.