Download the CardValet app on your smart phone to secure your SFCU debit card.

Login

Loan Rates Savings Rates Mortgage Rates Account Fees Certificate Rates

Effective as of: 12/14/2018
Mortgage Rates
Printer Friendly
Whether you are a first-time homebuyer or purchasing the house of a lifetime, we have you covered. Siouxland Federal Credit Union offers conventional mortgages for new purchases, constructions and refinances, as well as FHA and VA mortgage loans. We also offer free pre-approvals.
CONVENTIONAL FIXED RATE MORTGAGE LOAN MINIMUM 5% DOWN
TERMRATEAPR*PRINCIPAL AND INTEREST PAYMENT
30 Year4.625%4.7714%$514.14
15 Year4.250%4.5025%$752.28
Assumptions: Loan Amount = $100,000, Down Payment = 25%, Credit Score = or > 740. Payment does not include taxes or insurance, total payment will be greater.
 
FHA mortgages available, please contact us for more information*
*Subject to credit score, loan amount and purpose.
 
6/1 IN HOUSE ADJUSTABLE RATE MORTGAGE LOAN
TERMRATEAPR*PRINCIPAL AND INTEREST PAYMENT
30 Year4.99%5.52%Based on current market conditions, the payment schedule would be:
72 payments of $536.21
Maximum payment beginning month 73: $645.00
Maximum payment ever: $878.00
Assumptions: Loan Amount = $100,000, Down Payment = 20%, Credit Score = > 700. APR may increase after consummation on adjustable rate mortgage loans. (2/6 Cap; 3% Margin added to the 1 year Treasurer Bill Index, 4% floor rate). Payment does not include taxes or insurance, total payment will be greater.
Mortgage Disclosures
If you have questions on rates and terms for loans that differ from the above assumptions, please contact a Siouxland Federal Credit Union mortgage loan officer today at (800) 264-0796.
The rates quoted above are for owner occupied, primary residence properties.
Rates are not guaranteed and are subject to change without notice.
Stop by one of our convenient locations to talk to a mortgage professional today or Apply Online Now!
 
Second Mortgage and Home Equity
You have worked hard for your home; now let your home work for you. Go ahead...remodel, fix that leaky roof, finance your children's education, or consolidate high-interest credit cards into one low-cost bill. We can help you achieve your goals with a home equity loan that's right for you.
 
Second Mortgage Fixed
TERMRATEAPRPRINCIPAL AND INTEREST PAYMENT
5 Year*5.5% - 7.5% **6.125- 8.137% $191.01-$200.38
Assumptions: Loan Amount = $10,000.00, Credit Score = or > 700.
 
Second Mortgage 6/1 Adjustable Rate
TERMRATEAPRPRINCIPAL AND INTEREST PAYMENT
10 Year*5.50% - 7.50%**5.849-7.587%Based on current market conditions, the payment schedule would be:
72 payments of $108.53
Maximum payment beginning month 73: $113.00
Maximum payment beginning month 108: $119.00
Assumptions: Loan Amount = $10,000.00; Term = 10yr; Credit Score = or > 700. Apr may increase after consummation on adjustable Rate mortgage loans. (2/6; 3% Margin added to the 1 year Treasury Bill Indes, 4% floor rate).
 
Home Equity Line of Credit Adjustable Rate Mortgage: Call (402) 494-2073 for Rate
 
*Risk Based Lending
Lowest rate listed above is for credit score 700 and above, an active checking account with Siouxland Federal Credit Union and payment deducted from an account at Siouxland Federal Credit Union
Credit score 641to 699, add 1% to the lowest rate quotedCredit score 621 to 640, add 2% to the lowest rate quotedCredit score 620 and below, add 4% to the lowest rate quotedLoan to Value above 80%, add 1% to the lowest rate quotedFor coupon book payment, add .50% to the lowest rate quoted for 2nd mortgage only, HELOC requies automatic paymentsFor ACH payment, add .25% to the lowest rate quoted for 2nd mortgage only, HELOC requires automatic payment
**Annual Percentage Rate

Siouxland FCU - Buy A Home Mortgage Loans
Siouxland FCU - Buy A Vehicle Consumer Loans
Siouxland FCU - VISA Cards VISA Cards
Siouxland FCU - Members Resources Members Resources
Go To Top
THIRD PARTY SITE DISCLAIMER - By accessing the noted link you will be leaving Siouxland FCU website and entering a website hosted by another party. Siouxland FCU has not approved this as a reliable partner site. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the Siouxland FCU website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Siouxland FCU. CLICK OK TO CONTINUE OR CANCEL TO ABORT

Continue Cancel