Mortgage Rates

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

180 months maximum Prime+1% Variable 680+ FICO score- Maximum of $75,000 loan size and 80% of appraised value
  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

 

3400 N Montana, Helena, MT 59602 | Phone: 406-449-2680
1820 11th Ave., Helena, MT 59601 | Phone: 406-449-2680

8645 Huffine Lane, Bozeman, MT 59718 | Phone: 406-586-1505

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