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Real Estate Related Rates
Rates are subject to change without notice.
We offer mortgages with terms up to 360 months; click below to see current rates
Call the Credit Union at 406-449-2680 or 406-586-1505 for more information about rates and fees.
Click here to apply for a Mortgage
| Mortgages (See Fee Schedule for applicable fees) |
| Terms |
Rate |
APR* |
Conditions |
| Improved Land |
8.750% |
9.250% |
Up to 75% of appraised value or purchase price (the lessor of the two). Improved defined as water, sewer, and electric |
| Unimproved Land (10 years) |
10.000% |
10.500% |
UP to 70% of appraised value or purchase price (the lessor of the two). |
| 2nd Mortgages (20 year max) |
8.990% |
9.490% |
Maximum of $100,000 loan size and 80% CLTV/TLTV. 1.250% origination fee plus all related costs |
| Home Equity Line of Credit (See Fee Schedule for applicable fees) |
| Terms |
Fixed APR |
Conditions |
| 180 months maximum |
8.990%* |
Maximum of $75,000 loan size and 80% of appraised value
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| 180 months maximum |
Prime+1% Variable |
680+ FICO score- Maximum of $75,000 loan size and 80% of appraised value |
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Prime+2% Variable |
620+ FICO score- Maximum of $75,000 loan size and 80% of appraised value |
| Processing Fee of $299.00 |
| *Daily periodic Factor 0.024630% |
| Prime Rate based on rate published in the Wall Street Journal |
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