Home Loan Rates
DTCU offers 10, 15, 20 and 30 year mortgages, along with very low closing costs!
Call one of our mortgage specialists at 218-279-DTCU (3828) to finance your low cost mortgage with us.
It's warming up and time for home projects! Central Air, Insulation, Windows or Doors? Let DTCU Help!
Borrow up to $7,500 at 5.49% APR* for up to 10 years with a DTCU Energy Loan.
(*Example: $7,500 for 10 years, the payment would be $81.37 with an APR of 5.534%)
Pay your loan off faster and save even more in interest with our free bi-weekly payment option on all in-house loans.
|
Type of Loan
|
Duration
|
Rate (APR*)
|
|
Fixed Rate First Mortgage** in-house
as low as
|
up to 10 years |
3.49%**
|
Fixed Rate Home Equity
as low as |
5 to 10 years
|
Range of
4.75%
7.125%
|
|
First Mortgage
(15 - yr amortization)
as low as
First Mortgage
(30 - yr amortization)
as low as
|
3 year balloon
|
3.75%
4.00%
|
First Mortgage
(15 year amortization)
as low as |
5 year balloon |
4.00% |
Home Equity Lines of Credit:
Prime Line Minus 1% (1% bal pymt/15 - yr term) |
15 years |
4.50% |
|
Prime Line Interest Only Payment (5-year term)
|
5 years |
5.00%
|
|
Home Improvement
as low as
|
up to 10 years
|
5.75%
|
Unimproved Land up to 50% of appraised value
(no maximum loan amount) |
3 year balloon
5 year balloon
|
5.75%
7.50%
|
|
Unimproved Land 51% - 100% appraised value
|
3 year balloon
5 year balloon
|
7.50%
8.50%
|
Conventional First (secondary market only)
|
15,20,30,40 year fixed rates available
|
click for rates |
| Construction |
3-18 Months |
5.25% |
*APR = Annual Percentage Rate
**up to 10 year term, first mortgage position only, mortgage remains at DTCU. Payment example based on $75,000 loan amount at 3.49% with an Annual Percentage Rate of 3.493%, 119 monthly payments of $741.55 and final payment of 740.11 which includes principal and interest only; maximum LTV is 80%. Rate subject to change without notice. See a DTCU Mortgage Specialist for complete details. Credit Score of 700 or greater qualifies for this rate. No origination fee applies to in-house mortgages only.
|
