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Real Estate Loan Rates
Accurate as of 12/18/2008
Capital Educators Federal Credit Union offers its Members many types of real estate loans including: first and second mortgages and home equity lines of credit; for purchase or refinancing; fixed or variable rates.
Second mortgage loans can be made on
single family principle residences or unimproved property
located in Idaho. All property must currently be deeded in
the Member's name. Your 1st Mortgage balance can be no
higher than $400,000.00 when applying for a 2nd mortgage.
Please call our Mortgage Loan Officer at (208) 885-4657 or send
an email to mortgages@capedfcu.org for further information.
*All percentage rate and APY listed are ranges. The rate you
receive will be based on the merits of your credit history. Please contact a loan officer to discuss what rate you qualify for.
| 1st & 2nd Lien Real Estate Mortgage - Fixed rate |
| Term |
Interest Rate* |
| 36 Months |
0.0109315% to 0.0273699% |
3.99% to 9.99% |
| 60 Months |
0.0123288% to 0.0287671% |
4.50% to 10.50% |
| 72 Months |
0.0123288% to 0.0287671% |
4.50% to 10.50% |
| 84 Months |
0.0126027% to 0.0290411% |
4.60% to 10.60% |
| 120 Months |
0.0128767% to 0.0293151% |
4.70% to 10.70% |
| 144 Months |
0.0131507% to 0.0295890% |
4.80% to 10.80% |
| 180 Months |
0.0134247% to 0.0298630% |
4.90% to 10.90% |
The 5-year to 15-year, Fixed Rate Mortgages are fully amortizing loans. The rate will be fixed for the full term of the loan and your monthly principal and interest payments will not change for the term of the loan. All property must carry adequate insurance.
* All rates are subject to change.
Home Equity Loans (HELOC's)
Home Equity - Lines of Credit
| Home Equity |
| Type |
Interest |
APR* |
No Points |
| Home Equity |
PRIME - .50% |
4.50% |
0.0 |
Home Equity Line of Credit Loans (HELOC) have an adjustable rate feature. The interest rate may change on January 1 and July 1 of each year depending on the current Prime rate. 4.00% apr is the minimum rate. The maximum rate is 18% apr.
*Please call for rates and terms. On approved credit only. Rates subject to change. If you have any questions or need current rate information, please call our Loan Department at 208-884-0150 or 1-800-223-SAVE (7283).
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