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Purchasing Your Home

We are here to help get you into your dream house or vacation home!

Are you ready to apply and get started? If so, please click "Apply Now".

If not, please take advantage of the other resources here to find your next home or calculate your potential payments. As always, please reach out if we can help you in any way!


Mortgage Rates

Mortgage Rates

TypeInterest RatePointsAPR*Monthly Payment/$1,000
30 Year Fixed 7.250%0.007.330%$6.82Apply Now
20 Year Fixed7.125%0.007.229%$7.83Apply Now
15 Year Fixed6.875%0.007.003%$8.92Apply Now
10 Year Fixed6.750%0.006.929%$11.48Apply Now

*Annual Percentage Rate (APR) shown is the lowest rate offered.

Rates shown above are for Owner Occupied 1-4 units only. Your actual rate will depend on various factors, including, loan product, loan amount, credit score, property value, and other factors. Rates are subject to change without notice.

Estimated payments above do not include amounts to be held in escrow for real estate taxes and insurance premiums, including mortgage insurance (if applicable). Your actual payment obligation may be greater. Escrow for real estate taxes may be required. Property insurance is required, and flood insurance may be required.  

Rates shown are quoted on loans with a loan amount of $200,000, with 40% down, and a minimum credit score of 740. Your rate and APR may be higher. Rates may be subject to risk-based adjustments called ‘Loan Level Pricing Adjustments’ (LLPA) as defined by the most recent Fannie Mae or Internal LLPA matrix.

DREAM Account

Start Saving at a great rate with our DREAM Club account today and be eligible for a $750 credit* at closing!

  • No monthly maintenance charge
  • Interest paid at the end of each month

Club Accounts

Minimum DepositDividend RateAPY*Minimum Required to Earn APY
DREAM Club Share**$0.50%.50%$5

*DREAM account assists account holder(s) with saving toward the purchase of a home. Must be 18 or older to establish account. Rate is subject to change without notice. Interest is paid monthly. Funds must be on deposit for a minimum of 6 months. A fee of $25.00 will be incurred if funds are withdrawn for purposes other than to pay fees associated with an HRCU mortgage application process. Qualifying form(s) required to waive fee. Qualifying forms: appraisal or inspection invoice. Lender credit limited to one credit per mortgage and borrower may only receive the credit once. Lender credit applied at time of loan closing with HRCU. To qualify for the lender credit the following eligibility requirements must be met: •Loan closed with HRCU (standard underwriting guidelines apply). •Home is primary residence. •Loan qualifies to be maintained in portfolio at HRCU; loans sold to the secondary market may not apply.

Use Your Home Equity

Take advantage of the equity you've established in your home and gain access to the extra cash you need.

  • Fixed Rate Loan amounts from $20,000 and Lines of Credit from $20,000
  • Credit life and disability insurance is available to eligible borrowers
  • Second home financing available

Home Equity Lines of Credit

Home Equity Lines of Credit

TermsAPR*Minimum Finance AmountMonthly Payment/$1,000
Fixed Rate for 12 months10 year draw, 25 yr. amortization7.571%$20,000$7.39Apply Now

*Annual Percentage Rate (APR). Rates are based on an evaluation of credit history and CLTV (combined loan to value) ratio, so your rate may differ. Loan subject to underwriting qualifications. All rates, terms, conditions, and promotions are subject to change without notice. The rates above reflect a 70% loan to value. HELOC (Home Equity Line of Credit) loans greater than 70% loan to value have certain restrictions, please contact a loan officer for further details. Special fixed APR for first 12 months, then adjusted monthly. APR using current index and margin would be 5.50% or higher. After the fixed rate introductory period, the rate is variable, based on the Wall Street Journal Prime Rate plus a margin as low as 0% (based on credit rating) and subject to change at any time. Prime Rate as of 7/26/2023 is 8.50%. The floor rate is equal to prime plus margin (based on credit history) at time of closing after promotional period; with a maximum annual percentage rate of 18.00%. HRCU will pay up to $250 of the following closing costs on new Equity Loan applications (Fixed Rate and Lines of Credit): flood determination fee, title search fee, credit report fee, recording fees, and an AVM (Automated Valuation Model). The offer excludes the following fees: appraisal fee, lenders title insurance and any additional fees associated with properties held in a trust. For loan amounts up to $500,000, closing costs that members pay could range between $150 and $1,200. Closing costs depend on property location, property type, and amount of the Equity Loan. Applicant is responsible for any closing costs over and above $250 and payment is required at the time of loan closing. Only available for primary residence. HRCU must be in first or second lien position; and home is not listed for sale. Minimum loan amount of $20,000, with $250 minimum advances; maximum loan amount of $500,000. Homeowner insurance required; Flood insurance may be required. Loan must be new to HRCU, existing loans are not eligible for this promotion. Limited Time Offer.

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