Rate and Payment Details
Mortgage Loans
If this is your first home or you’re ready to move on to the next one, our Real Estate Team will make your home financing process as rewarding as getting the keys to your dream home. You’ll have us to guide you from start to finish and with the help of our HomeAdvantage program, your can earn cash rewards and find the right agent too!
- Fixed and adjustable rate mortgages (ARM)
- Refinance your existing mortgage
- No early payoff penalties
- Earn cash rewards and find the right agent with HomeAdvantage
Rate & Payment Details
10 Yr Fixed Conforming |
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| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 4.875% | 5.054% | N/A | N/A | N/A | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1 - 119 | $3,163.67 | 4.875% | |||
| 120 | $3,163.17 | 4.875% | |||
15 Yr Fixed Conforming |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 5.000% | 5.126% | N/A | N/A | N/A | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1 - 179 | $2,372.38 | 5.000% | |||
| 180 | $2,372.67 | 5.000% | |||
20 Yr Fixed Conforming |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 5.375% | 5.476% | N/A | N/A | N/A | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1 - 239 | $2,042.54 | 5.375% | |||
| 240 | $2,042.27 | 5.375% | |||
30 Yr Fixed Conforming |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 5.750% | 5.826% | N/A | N/A | N/A | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1 - 359 | $1,750.72 | 5.750% | |||
| 360 | $1,749.48 | 5.750% | |||
10 Yr Fixed Non Conforming |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 5.000% | 5.046% | N/A | N/A | N/A | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1 - 119 | $10,341.39 | 5.000% | |||
| 120 | $10,341.06 | 5.000% | |||
15 Yr Fixed Non Conforming |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 5.125% | 5.157% | N/A | N/A | N/A | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1 - 179 | $7,773.87 | 5.125% | |||
| 180 | $7,775.03 | 5.125% | |||
20 Yr Fixed Non Conforming |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 5.500% | 5.526% | N/A | N/A | N/A | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1 - 239 | $6,706.90 | 5.500% | |||
| 240 | $6,707.36 | 5.500% | |||
30 Yr Fixed Non Conforming |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 5.750% | 5.770% | N/A | N/A | N/A | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1 - 359 | $5,689.84 | 5.750% | |||
| 360 | $5,685.61 | 5.750% | |||
Conforming 5/6 Hybrid ARM |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 4.375% | 7.219% | 6.250% | 11.000% | 60 Months | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1 - 60 | $1,497.86 | 4.375% | |||
| 61 - 66 | $1,821.73 | 6.375% | |||
| 67-72 | $1,992.56 | 7.375% | |||
| 73-78 | $2,167.70 | 8.375% | |||
| 79-359 | $2,346.61 | 9.375% | |||
| 360 | $2,336.90 | 9.375% | |||
Conforming 7/6 Hybrid ARM |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 4.625% | 7.081% | 6.250% | 11.000% | 84 Months | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1 - 84 | $1,542.42 | 4.625% | |||
| 85 - 359 | $2,359.91 | 9.625% | |||
| 360 | $2,355.37 | 9.625% | |||
Conforming 10/6 Hybrid ARM |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 4.875% | 6.637% | 6.250% | 11.000% | 120 Months | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1 - 120 | $1,587.63 | 4.875% | |||
| 121-359 | $2,325.88 | 9.875% | |||
| 360 | $2,325.69 | 9.875% | |||
5 Yr. Fixed Rate Home Equity Loan |
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| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 6.375% | 6.410% | N/A | N/A | N/A | N/A |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1-59 | $1,950.77 | 6.375% | |||
| 60 | $1,950.45 | 6.375% | |||
10 Yr. Fixed Rate Home Equity Loan |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 6.500% | 6.524% | N/A | N/A | N/A | N/A |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1-119 | $1,135.48 | 6.500% | |||
| 120 | $1,135.49 | 6.500% | |||
15 Yr. Fixed Rate Home Equity Loan |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 6.625% | 6.639% | N/A | N/A | N/A | N/A |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1-179 | $877.99 | 6.625% | |||
| 180 | $879.10 | 6.625% | |||
20 Yr. Fixed Rate Home Equity Loan |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 6.750% | 6.761% | N/A | N/A | N/A | N/A |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1-239 | $760.36 | 6.750% | |||
| 240 | $762.39 | 6.750% | |||
Home Equity Line Of Credit (2 In 1 Product) |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 6.250% | 6.316% | 6.250% | 11.500% | 6 Months | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| $520.84 |
Conforming loan products reflect the estimated initial payment against the full loan amount of $300,000 with a middle credit score of 740 and a Loan to Value (LTV) of 80%. Non Conforming loan products reflect the estimated initial payment against the full loan amount of $975,000 with a middle credit score of 740 and a Loan to Value (LTV) of 80%.
Above are the details of the Rate and Payment that will apply over the term of the loan. The payments listed above do not include amounts for taxes and insurance. If the Loan is an Adjustable Rate Loan, a current reasonable Index and Margin were used to display potential future Rate and/or Payment changes. The index used to determine the rate is a 30 Day Average of the Secured Overnight Financing Rate (SOFR). On the Hybrid ARM Loans, rates can potentially adjust every six (6) months after the initial fixed period. If the Loan is a Home Equity Line of Credit (HELOC) the payments shown below are calculated using a full loan amount of $100,000.
Home Equity Line of Credit Rates are based on the sum of the Margin plus the Index. The index used to determine the rate is the current Prime Rate. The rate and payment above are based on a credit score of 740 with a maximum Combined Loan to Value (CLTV) of 80%
Definitions:
APR: Annual Percentage Rate the rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.
Fully Indexed Rate: The current index value plus the margin on an Adjustable Rate Loan.
Max Interest Rate: The maximum rate that may occur on your Adjustable Rate Loan.
Months to First Rate Adjustment: The period of time before your interest rate will adjust on an Adjustable Rate Loan.
Interest Only Term: The period of time where the monthly mortgage payment consists of interest only. During that period, the loan balance remains unchanged.
A Margin may be added to the index to create a fully indexed rate. Excellent credit is used in examples. Index Prime + Margin of Zero.
Information accurate as of October 6, 2022.
All loan rates are subject to change without notice. For the most up-to-date rates, please OE Federal Credit Union at 800.877.4444.
Rate & Payment Details
10 Yr Fixed Conforming |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 4.875% | 5.054% | N/A | N/A | N/A | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1 - 119 | $3,163.67 | 4.875% | |||
| 120 | $3,163.17 | 4.875% | |||
15 Yr Fixed Conforming |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 5.000% | 5.126% | N/A | N/A | N/A | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1 - 179 | $2,372.38 | 5.000% | |||
| 180 | $2,372.67 | 5.000% | |||
20 Yr Fixed Conforming |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 5.375% | 5.476% | N/A | N/A | N/A | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1 - 239 | $2,042.54 | 5.375% | |||
| 240 | $2,042.27 | 5.375% | |||
30 Yr Fixed Conforming |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 5.750% | 5.826% | N/A | N/A | N/A | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1 - 359 | $1,750.72 | 5.750% | |||
| 360 | $1,749.48 | 5.750% | |||
10 Yr Fixed Non Conforming |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 5.000% | 5.046% | N/A | N/A | N/A | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1 - 119 | $10,341.39 | 5.000% | |||
| 120 | $10,341.06 | 5.000% | |||
15 Yr Fixed Non Conforming |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 5.125% | 5.157% | N/A | N/A | N/A | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1 - 179 | $7,773.87 | 5.125% | |||
| 180 | $7,775.03 | 5.125% | |||
20 Yr Fixed Non Conforming |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 5.500% | 5.526% | N/A | N/A | N/A | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1 - 239 | $6,706.90 | 5.500% | |||
| 240 | $6,707.36 | 5.500% | |||
30 Yr Fixed Non Conforming |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 5.750% | 5.770% | N/A | N/A | N/A | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1 - 359 | $5,689.84 | 5.750% | |||
| 360 | $5,685.61 | 5.750% | |||
Conforming 5/6 Hybrid ARM |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 4.375% | 7.219% | 6.250% | 11.000% | 60 Months | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1 - 60 | $1,497.86 | 4.375% | |||
| 61 - 66 | $1,821.73 | 6.375% | |||
| 67-72 | $1,992.56 | 7.375% | |||
| 73-78 | $2,167.70 | 8.375% | |||
| 79-359 | $2,346.61 | 9.375% | |||
| 360 | $2,336.90 | 9.375% | |||
Conforming 7/6 Hybrid ARM |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 4.625% | 7.081% | 6.250% | 11.000% | 84 Months | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1 - 84 | $1,542.42 | 4.625% | |||
| 85 - 359 | $2,359.91 | 9.625% | |||
| 360 | $2,355.37 | 9.625% | |||
Conforming 10/6 Hybrid ARM |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 4.875% | 6.637% | 6.250% | 11.000% | 120 Months | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1 - 120 | $1,587.63 | 4.875% | |||
| 121-359 | $2,325.88 | 9.875% | |||
| 360 | $2,325.69 | 9.875% | |||
5 Yr. Fixed Rate Home Equity Loan |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 6.375% | 6.410% | N/A | N/A | N/A | N/A |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1-59 | $1,950.77 | 6.375% | |||
| 60 | $1,950.45 | 6.375% | |||
10 Yr. Fixed Rate Home Equity Loan |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 6.500% | 6.524% | N/A | N/A | N/A | N/A |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1-119 | $1,135.48 | 6.500% | |||
| 120 | $1,135.49 | 6.500% | |||
15 Yr. Fixed Rate Home Equity Loan |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 6.625% | 6.639% | N/A | N/A | N/A | N/A |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1-179 | $877.99 | 6.625% | |||
| 180 | $879.10 | 6.625% | |||
20 Yr. Fixed Rate Home Equity Loan |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 6.750% | 6.761% | N/A | N/A | N/A | N/A |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| 1-239 | $760.36 | 6.750% | |||
| 240 | $762.39 | 6.750% | |||
Home Equity Line Of Credit (2 In 1 Product) |
|||||
| Initial Interest Rate | APR | Fully Indexed Rate | Max. Interest Rate | Months to First Rate Adjustment | Interest Only term |
| 6.250% | 6.316% | 6.250% | 11.500% | 6 Months | 0 Months |
Payment Stream: |
Payment Month(s) | Monthly Mortgage (P&I) | Rate | ||
| $520.84 |
Conforming loan products reflect the estimated initial payment against the full loan amount of $300,000 with a middle credit score of 740 and a Loan to Value (LTV) of 80%. Non Conforming loan products reflect the estimated initial payment against the full loan amount of $975,000 with a middle credit score of 740 and a Loan to Value (LTV) of 80%.
Above are the details of the Rate and Payment that will apply over the term of the loan. The payments listed above do not include amounts for taxes and insurance. If the Loan is an Adjustable Rate Loan, a current reasonable Index and Margin were used to display potential future Rate and/or Payment changes. The index used to determine the rate is a 30 Day Average of the Secured Overnight Financing Rate (SOFR). On the Hybrid ARM Loans, rates can potentially adjust every six (6) months after the initial fixed period. If the Loan is a Home Equity Line of Credit (HELOC) the payments shown below are calculated using a full loan amount of $100,000.
Home Equity Line of Credit Rates are based on the sum of the Margin plus the Index. The index used to determine the rate is the current Prime Rate. The rate and payment above are based on a credit score of 740 with a maximum Combined Loan to Value (CLTV) of 80%
Definitions:
APR: Annual Percentage Rate the rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.
Fully Indexed Rate: The current index value plus the margin on an Adjustable Rate Loan.
Max Interest Rate: The maximum rate that may occur on your Adjustable Rate Loan.
Months to First Rate Adjustment: The period of time before your interest rate will adjust on an Adjustable Rate Loan.
Interest Only Term: The period of time where the monthly mortgage payment consists of interest only. During that period, the loan balance remains unchanged.
A Margin may be added to the index to create a fully indexed rate. Excellent credit is used in examples. Index Prime + Margin of Zero.
Information accurate as of October 6, 2022.
All loan rates are subject to change without notice. For the most up-to-date rates, please OE Federal Credit Union at 800.877.4444.
Above are the details of the Rate and Payment that will apply over the term of the loan. The payments listed above do not include amounts for taxes and insurance. If the Loan is an Adjustable Rate Loan, a current reasonable Index and Margin were used to display potential future Rate and/or Payment changes. If the Loan is a Home Equity Line of Credit (HELOC) the payments shown below are calculated using a full loan amount of $100,000.
• Initial Interest Rate: On a Fixed rate loan, it is the rate for the entire life of the loan. On an Adjustable Rate Loan it is the interest rate that is fixed for some specified number of months at the beginning of the loan term
• APR: Annual Percentage Rate the rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.
• Fully Indexed Rate: The current index value plus the margin on an Adjustable Rate Loan.
• Max Interest Rate: The maximum rate that may occur on your Adjustable Rate Loan.
• Months to First Rate Adjustment: The period of time before your interest rate will adjust on an Adjustable Rate Loan.
• Interest Only Term: The period of time where the monthly mortgage payment consists of interest only. During that period, the loan balance remains unchanged.
• A Margin may be added to the index to create a fully indexed rate. Excellent credit is used in examples. Index Prime + Margin of Zero.
Information accurate as of: August 2, 2017
All loan rates are subject to change without notice. For the most up-to-date rates, please call Member Services at 800.877.4444.