Mortgage Rates

Real Estate Related Rates - Effective July 2008
Rates are subject to change without notice.
Call the Credit Union at 406-449-2680 or 1-800-624-2341 for more information about rates and fees.

Additional options for mortgage

Home Equity Line of Credit:  (See Fee Schedulefor applicable fees)
Terms Fixed APR Conditions
180 months maximum 6.49%

Maximum loan-to-value 85%
Maximum loan $75,000

Daily periodic Factor 0.020548%                          Application Fee of $250.00

Title 1 Home Improvement:  (See Fee Schedulefor applicable fees)
Terms APR Conditions
240 months maximum 7.500% Maximum loan = $20,000
Daily periodic Factor 0.020548%                        

Mortgages (See Fee Schedulefor applicable fees)
Terms Rate APR* Conditions
12 year (144 months) 6.125% 6.750% Up to 80% of appraised value OAC (95% with Mortgage Insurance)
15 year (180 months) 6.250% 6.750% Up to 80% of appraised value OAC (95% with Mortgage Insurance)
20 year (240 months) 6.500% 7.000% Up to 80% of appraised value OAC (95% with Mortgage Insurance)
25 year (300 months) 6.750% 7.250% Up to 80% of appraised value OAC (95% with Mortgage Insurance)
30 year (360 months) 6.750%  7.250% Up to 80% of appraised value OAC (95% with Mortgage Insurance)
Improved Land
(10 years)
8.750% 9.250% Improved defined as water, sewer & electric. 80% of appraised value
Unimproved Land
(10 years)
10.000% 10.500% 75% of appraised value
2nd Mortgages (20 years max) 8.500%  9.000% $100,000 maximum: 1st and 2nd mortgage not to exceed 80% of appraised value- 1.25% origination fee plus all related costs

Loan Payment Example: At 6.75% annual percentage rate (APR) for a 300 month term, monthly payments are calculated at $6.94 per $1,000.00 borrowed.

 

*Annual Percentage Rate based on $125,000 loan.
NOTE:  We do not currently offer variable rate loans. All loan rates are fixed for the term of the loan.

 

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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