Finance your purchase transaction with us and receive a closing cost credit of $500!*
Mortgage Rates
Fixed Rate Mortgage
| Type | Term (Years) | Current Rate | APR | Points | Monthly Payments Per $1,000 Borrowed |
|---|---|---|---|---|---|
| 10-Year Fixed Rate Mortgage** | 10 | 4.990% | 5.114% | 0 | $10.60 |
| 30-Year Fixed Rate Mortgage1 | 30 | 5.990% | 6.043% | 0 | $5.99 |
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 | 5.500% | 5.701% | 0 | 60 | $5.68 | 5.625% | 300 | $5.76 | 2/10/2026 |
¹Effective October 10, 2025, the following is an example of 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 95%, a minimum credit score of 680, and a loan amount of $350,000. The Annual Percentage Rate (APR) is 6.043%, with an interest rate of 5.99%. This results in a payment of $5.99 for every $1,000 borrowed, leading to a monthly principal and interest payment of $2,096.18. Refinance transactions for 1-4 unit properties that are owner-occupied or second homes are eligible with a maximum loan-to-value ratio of 90% and a minimum credit score of 700. Please note that properties undergoing improvements or cash-out refinances are not eligible. Additionally, this payment example does not include taxes, homeowners insurance, and private mortgage insurance (PMI). PMI is required for mortgages that exceed an 80% loan-to-value ratio. All loans are subject to approval, and additional conditions may apply. Other conventional fixed-rate products are available, and rates are subject to change without notice.
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 2025-20242 | 36-60 Months | 6.090% | $19.37 |
New Auto 2025-20242
| 61-75 Months |
6.290% |
$19.47 |
|
Used Auto 2023-20152
| 36-60 Months |
6.490% |
$19.56 |
|
Used Auto 2023-20152
| 61-72 Months |
7.690% |
$20.13 |
|
| Fixed Second Mortgage3 | 120 Months | 7.625% | $11.94 |
| Fixed Second Mortgage3 | 180 Months | 7.885% | $9.49 |
| 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. Annual Percentage Rate (APR) reflects a reduction of .25% by having automatic payment from a St. Anne’s Credit Union checking account. 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. Annual Percentage Rate (APR) reflects a reduction of .25% by having automatic payment from a St. Anne’s Credit Union checking account. 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.