Finance your purchase transaction with us and receive a closing cost credit of $500!*
Mortgage Rates
| Type | Term (Years) | Current Rate | APR | Points | Monthly Payments Per $1,000 Borrowed | Effective Date |
|---|---|---|---|---|---|---|
| 30-Year Fixed Rate Mortgage1 | 30 | 5.875% | 5.928% | 0 | $5.92 | 4/16/2026 |
Adjustable Rate Mortgage**
| ARM Program2 | Initial Interest Rate Period | Initial Interest Rate | APR3 | Points | Initial Rate Period # of Monthly Payments | Initial Rate Period EMP Per $1,0004 | Fully Indexed Rate | Fully Indexed Rate # Monthly Payments | Fully Indexed Rate EMP Per $1,0004 | Effective Date |
|---|---|---|---|---|---|---|---|---|---|---|
| 5/1 | 5 Years | 4.990% | 5.734% | 0.50 | 60 | $5.36 | 6.000% | 300 | $6.00 | 4/7/2026 |
These payment examples do not include taxes, homeowners' insurance, or private mortgage insurance (PMI). PMI is required for mortgages with a loan-to-value ratio that exceeds 80%. All loans are subject to approval, and additional conditions may apply. There are also other conventional fixed-rate products available, and interest rates are subject to change without notice.
*Finance your purchase transaction and receive a closing cost credit of $500!
1Effective April 16, 2026, the following example outlines a Fixed Rate Mortgage Payment for purchase transactions involving a single-family primary residence. This example is based on a 30-year term with a loan-to-value (LTV) ratio of 80%, a minimum credit score of 660, and a loan amount of $350,000. The Annual Percentage Rate (APR) is 5.928%, and the interest rate is 5.875%. This results in a payment of $5.92 for every $1,000 borrowed.
**The advertised Adjustable Rate Mortgage rates are for non-conforming loans with a loan amount of $350,000 and are based on the loan assumptions noted below. Payment examples do not include taxes or insurance premiums, monthly payment obligations will be higher.
²ARM loans are variable rate loans, interest rates and payments may increase after consummation. Rates and payments will remain the same for the first 5 years and then can adjust to a new rate and payment every (12) twelve months based on a current index, depending on the ARM program you choose. For example, if you select the 5yr/1 yr ARM program your rate and principal & interest payment will be fixed for the first 5 years (the 5 in 5yr/1 year), after that the interest rate and payment could change every (12) twelve months for the remainder of the mortgage's term (the 1 in 5yr/1yr).
³APR = Annual Percentage Rate. Rates are based on current pricing and are subject to change at any time without notice. Rates are determined by certain factors, including loan amount, creditworthiness, loan-to-value (LTV), loan term, occupancy status, property type, loan purpose, property location, and lien position, so your rate could be higher. Advertised rates are based on the following loan assumptions – a purchase of a single-family, owner-occupied residence, with an LTV of 80% or less, credit score of 680 or higher, based on an ARM program displayed above, and the loan will be a first lien. Additional loan programs are available. Mortgage insurance may be required depending on loan guidelines. All loans are subject to approval; other conditions may apply.
⁴EMP = Estimated Monthly Payment is for principal and interest per $1,000 borrowed.
1Effective April 16, 2026, the following example outlines a Fixed Rate Mortgage Payment for purchase transactions involving a single-family primary residence. This example is based on a 30-year term with a loan-to-value (LTV) ratio of 80%, a minimum credit score of 660, and a loan amount of $350,000. The Annual Percentage Rate (APR) is 5.928%, and the interest rate is 5.875%. This results in a payment of $5.92 for every $1,000 borrowed.
**The advertised Adjustable Rate Mortgage rates are for non-conforming loans with a loan amount of $350,000 and are based on the loan assumptions noted below. Payment examples do not include taxes or insurance premiums, monthly payment obligations will be higher.
²ARM loans are variable rate loans, interest rates and payments may increase after consummation. Rates and payments will remain the same for the first 5 years and then can adjust to a new rate and payment every (12) twelve months based on a current index, depending on the ARM program you choose. For example, if you select the 5yr/1 yr ARM program your rate and principal & interest payment will be fixed for the first 5 years (the 5 in 5yr/1 year), after that the interest rate and payment could change every (12) twelve months for the remainder of the mortgage's term (the 1 in 5yr/1yr).
³APR = Annual Percentage Rate. Rates are based on current pricing and are subject to change at any time without notice. Rates are determined by certain factors, including loan amount, creditworthiness, loan-to-value (LTV), loan term, occupancy status, property type, loan purpose, property location, and lien position, so your rate could be higher. Advertised rates are based on the following loan assumptions – a purchase of a single-family, owner-occupied residence, with an LTV of 80% or less, credit score of 680 or higher, based on an ARM program displayed above, and the loan will be a first lien. Additional loan programs are available. Mortgage insurance may be required depending on loan guidelines. All loans are subject to approval; other conditions may apply.
⁴EMP = Estimated Monthly Payment is for principal and interest per $1,000 borrowed.
Consumer Loan Rates*
| Product | Term (Months) | APR as low as | Monthly Payments Per $1,000 Borrowed |
|---|---|---|---|
Personal Loans/Unsecured1
| 1-36 Months |
13.990% |
$34.17 |
|
| Personal Loans/Unsecured | 37-60 Months | 14.490% | $23.52 |
| New Auto 2026-20252 | 36-60 Months | 6.090% | $19.37 |
New Auto 2026-20252
| 61-75 Months |
6.290% |
$19.47 |
|
Used Auto 2024-20162
| 36-60 Months |
6.490% |
$19.56 |
|
Used Auto 2024-20162
| 61-72 Months |
7.690% |
$20.13 |
|
| Fixed Second Mortgage3 | 120 Months | 7.826% | $11.81 |
| Fixed Second Mortgage3 | 180 Months | 7.961% | $9.35 |
| Product | APR |
|---|---|
| Home Equity Line of Credit4 | 6.75% APR |
| Product | Term (Months) | Points | APR as low as | Monthly Payments Per $1,000 Borrowed |
|---|---|---|---|---|
| Home Improvement Loan5 | 36-60 | NA | 8.00% | $20.28 |
*Annual Percentage Rate (APR) subject to change. $5 membership account required.
1Maximum loan amount $10,000, minimum loan amount $1,000. One-year St. Anne's Credit Union membership required for debt consolidation loan.
2Rate is based on creditworthiness and may vary. Estimated cost per thousand calculated on monthly payments of $10,000 loan at the maximum term. Additional rates and terms may be available.
3Homeowners insurance required. Maximum loan amount $500,000, minimum loan amount $25,000. Second lien position only.
4Annual Percentage Rate (APR) is a variable rate. Available for 1-4 family primary residences. Property insurance is required. Flood insurance and an appraisal fee ranging from $440-$725 may be required. Additional fee when property is held in any type of Trust ownership. First or second lien position. If the line of credit is paid off within 36 months, the borrower will be responsible for waived closing fees. Subject to credit approval with a minimum FICO score of 640. Offer good for loan amounts of $25,000 - $500,000. Variable rate is set monthly based on the Prime Rate published in the Wall Street Journal on the last business day of the previous month. Prime Rate is 6.75% as of December 11, 2025. Minimum APR is 6.75%. Maximum APR is 18.00%. Other terms and conditions may apply.
5Annual Percentage Rate (APR) effective August 1, 2023, special rate of 8.0% for terms between 36-60 months, loan amounts ranging from $5,000 to $15,000 with a credit score of 700 or higher and maximum debt to income ratio of 60%. Cost is $20.28 per $1,000 at 8.00% for 60 months. Copy of construction bid or written proposal required. Proof of income required with a credit score of less than 650 or at underwriters’ discretion. $5 membership account required. Other restrictions may apply. This offer is subject to change without notice.
1Maximum loan amount $10,000, minimum loan amount $1,000. One-year St. Anne's Credit Union membership required for debt consolidation loan.
2Rate is based on creditworthiness and may vary. Estimated cost per thousand calculated on monthly payments of $10,000 loan at the maximum term. Additional rates and terms may be available.
3Homeowners insurance required. Maximum loan amount $500,000, minimum loan amount $25,000. Second lien position only.
4Annual Percentage Rate (APR) is a variable rate. Available for 1-4 family primary residences. Property insurance is required. Flood insurance and an appraisal fee ranging from $440-$725 may be required. Additional fee when property is held in any type of Trust ownership. First or second lien position. If the line of credit is paid off within 36 months, the borrower will be responsible for waived closing fees. Subject to credit approval with a minimum FICO score of 640. Offer good for loan amounts of $25,000 - $500,000. Variable rate is set monthly based on the Prime Rate published in the Wall Street Journal on the last business day of the previous month. Prime Rate is 6.75% as of December 11, 2025. Minimum APR is 6.75%. Maximum APR is 18.00%. Other terms and conditions may apply.
5Annual Percentage Rate (APR) effective August 1, 2023, special rate of 8.0% for terms between 36-60 months, loan amounts ranging from $5,000 to $15,000 with a credit score of 700 or higher and maximum debt to income ratio of 60%. Cost is $20.28 per $1,000 at 8.00% for 60 months. Copy of construction bid or written proposal required. Proof of income required with a credit score of less than 650 or at underwriters’ discretion. $5 membership account required. Other restrictions may apply. This offer is subject to change without notice.