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Mortgage Rates & Disclosures

Rates as of 7/17/2024. Rates have the ability to adjust daily. Additional restrictions apply. Please call for more details.

Purchase Mortgages
Type Down Payment Rate
30-Year Conventional 5.0% View Today's Rate
15-Year Conventional 5.0% View Today's Rate
30-Year FHA 3.5% View Today's Rate
15-Year FHA 3.5% View Today's Rate
30-Year VA 0.0% View Today's Rate
15-Year VA 0.0% View Today's Rate

Contact a mortgage specialist for refinance rates

Home Equity Line-of-Credit (HELOC)
Type LTV Rate APR*
20-Year Variable Rate HELOC 80% Prime+0.00% Prime+0.007%
Fixed Rate Home Equity
Type Max LTV Lien Position Rate APR*
5-Year Fixed 80% 1st Position 4.99% 5.049%
- 80% 2nd Position 6.24% 6.300%
Special! No Closing Costs1 on 1st Position Loans
10-Year Fixed 80% 1st Position 5.49% 5.490%
- 80% 2nd Position 7.24% 7.273%
15-Year Fixed 80% 1st Position 5.74% 5.740%
- 80% 2nd Position 7.74% 7.764%
20-Year Fixed 80% 1st Position 5.99% 5.990%
- 80% 2nd Position 8.24% 8.260%
  • All information subject to change at any time.
  • Loan rates may be based on credit score.
  • *Annual Percentage Rate (APR) calculated with a $200,000 loan amount.
  • Rate may not be available on ARC refinances.
  • 1Special! Fixed Rate Home Equity. Zero closing costs available for 700+ credit score borrowers only. Title insurance may be required, at borrower's expense, if aggregate lien amount exceeds $250,000. Available up to 80% combined loan-to-value. Minimum $15,000 new money. Requires a monthly payment of $6.06 per $1,000 borrowed. Property must be the owner-occupied primary residence (for rates on non-owner occupied real estate loans contact our business lending department). Subject to credit approval. Offer and rate are subject to change or withdrawal at any time without notification. Must meet credit union membership and loan requirements. Waiver of closing costs only available on 1st position loans.
  • Information displayed is accurate as of the date of the latest update and is subject to change without notice. Loan pricing can only be locked through an ARC mortgage specialist. Other restrictions may apply.
  • Due to various federal, state and local requirements, certain products may not be available in all areas.
  • The displayed Annual Percentage Rate (APR) for the Home Equity products shown reflects the interest rate and origination charge, but does not include appraisal fee and other settlement service costs. Based on a $200,000 mortgage.
  • The approximate cost of prepaid finance charges does not constitute and is not a substitute for the Good Faith Estimate of Closing Costs (GFE) that you will receive once you apply for a loan. This is not a mortgage loan approval or commitment to lend. The actual fees, costs and monthly payment on your specific loan transaction may vary and may include additional fees and costs.
  • Conventional loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and Annual Percentage Rate (APR).
  • These mortgage rates are based upon a variety of assumptions and conditions which include a consumer credit score which may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit profile up to the time of closing. For more information, please contact an ARC mortgage specialist.

FHA Loans

  • FHA loans require both an upfront and an annual mortgage insurance premium. The premium varies based on the loan characteristics, your credit score, whether you've received loan counseling, and other factors. For illustrative purposes on FHA loans, our loan detail results include a mortgage insurance payment added to the monthly principal and interest payment.