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.
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Type of Loan
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Duration
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Rate (APR*)
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Fixed Rate First Mortgage** in-house as low as
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up to 10 years |
3.49%**
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Fixed Rate Home Equity as low as |
5 to 10 years
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Range of 4.75% 7.125%
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First Mortgage (15 - yr amortization) as low as
First Mortgage (30 - yr amortization) as low as
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3 year balloon
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3.75%
4.00%
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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% |
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Prime Line Interest Only Payment (5-year term)
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5 years |
5.00%
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Home Improvement as low as
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up to 10 years
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5.75%
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Unimproved Land up to 50% of appraised value (no maximum loan amount) |
3 year balloon 5 year balloon
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5.75% 7.50%
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Unimproved Land 51% - 100% appraised value
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3 year balloon
5 year balloon
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7.50%
8.50%
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Conventional First (secondary market only)
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15,20,30,40 year fixed rates available
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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.
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