DTCU A Community Credit Union Duluth Teachers Credit Union
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Home Loan Rates

DTCU offers many choices when it comes to financing your home. 
We now offer 15, 20 and 30 year mortgages. Call  our loan department 
at 218-279-DTCU (3828). 

 

Energy Loans Available now!

New windows, doors, furnace, central ac and more!

Borrow up to $7,500 unsecured at 5.49% APR for up to 10 years

Example: $7,500 for 10 years, the payment would be
$81.37 with an APR of 5.534% 

 

 

Type of Loan

Duration   

Rate (APR*)

In House 10 Year Fixed Rate Mortgage                                as low as

 

4.39%

First Fixed Rate
Second Fixed Rate

5 to 10  years

Range of
4.74% 
7.25
%

First Mortgage
(15 - yr amortization)                                    

First Mortgage
(30 - yr amortization)                 as low as

3 year balloon

4.00%

4.25%

First Mortgage 
(15 - yr amortization)                                     

First Mortgage 
(30 - yr amortization)                 as low as

5 year balloon

4.25%

4.50%

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

up to 10 years

7.25%

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. See a DTCU Mortgage Specialist for complete details. Payment example based on $50,000 loan amount at 4.390% with an Annual Percentage Rate of 4.506% and 120 monthly payments of $515.60, which includes principal and interest only; maximum LTV is 80%. 

 Disclaimer: While we strive to keep our site updated with all current rates and information, these rates may be outdated. Please call or stop in before making a final decision.

 

 

 
NCUA Equal Housing Lender Verified by VISA Copyright DTCU 2006
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