Real Estate Loan Rates

TypeNote RateAPR
Home Mortgages Click here for rates.
Home Equity Click here for rates.
Land (7 years and below) 4.50% 5.2607%
Land (10 years and below) 5.00% 5.5525%
Land (15 years; $30,000 and over) 5.50% 5.8923%
Home Improvement (up to 5 years) as low as 4.75% 5.5838%
Home Improvement (up to 7 years) as low as 5.50% 6.1145%
Home Improvement (up to 10 years) as low as 6.00% 6.4489%
Home Improvement (up to 15 years offered for the first lien only) 6.50% 6.8219%
Construction Loan 6.00% 12.977% 

Rental/Investment Property (up to 10 years)
Maximum loan amount $50,000

6.50% 7.0105%

Rental/Investment Property (up to 15 years)
Maximum loan amount $50,000

7.25% 7.6207%

The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The annual percentage rate (APR) for land loans and home improvement loans is based on a $30,000.00 loan for the stated term and includes customary closing costs. The annual percentage rate (APR) for investment/rental property loans is based on a $50,000.00 loan for the stated term and includes customary closing costs.

Rates accurate as of 12/15/2014 and are subject to change at any time without notice. Rates may vary based on credit history. For the most current rates, please contact the Credit Union at 409-988-1300 or 1-888-319-7328. You may also contact us by mail (P.O. Box 3000, Orange, Texas 77631-3000) or by email.

Click here for a schedule of fees.