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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 3.250%0.003.329%$4.35Apply Now
20 Year Fixed2.875%0.002.985%$5.48Apply Now
15 Year Fixed2.500%0.002.642%$6.67Apply Now
10 Year Fixed2.375%0.002.582%$9.37Apply Now

*All rates are for Owner-Occupied 1-4 units only. Estimated payments above do not include amounts for taxes and insurance payments. Your payments may be greater. APR equals Annual Percentage Rate and assumes a purchase price of $200,000 with a 20% down payment and zero (0) points. Your rate and APR may be higher, all loans priced individually. Rates are subject to change at any time.

Fixed Rate Mortgage loans may be subject to risk-based pricing adjustments known as Loan Level Pricing Adjustments (LLPA) based on the most recent Fannie Mae LLPA matrix.

Fixed Rate Mortgage loans not sold to the secondary market (portfolio loans) may be subject to internal Loan Level Pricing Adjustments (LLPA).

LLPA adjustments consider items such as loan to value, credit score, loan purpose, term and other factors and may cause your rate to be higher.

NOTE: One point is equal to 1% of the amount financed.

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 A fee of $25.00 will be incurred if funds are withdrawn for purposes other than to pay fees associated with an HRCU mortgage application process.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 $10,000 and Lines of Credit from $20,000
  • Borrow up to 100% of the value of your home less any mortgage balances**
  • Credit life and disability insurance is available to eligible borrowers

Home Equity Lines of Credit

Home Equity Lines of Credit

TermsAPR*Minimum Finance AmountMonthly Payment/$1,000
Fixed Rate for 18 months10 year draw, 25 yr. amortization2.49%*$20,000$4.48Apply 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. Rates, terms and conditions are subject to change without notice. **Rates above reflect an 80% loan to value. HELOC (Home Equity Line of Credit) loans greater than 80% loan to value have certain restrictions, please contact a loan officer for further details. Special fixed APR for first 18 months, then adjusted monthly. APR using current index and margin would be 3.25% or higher. After fixed rate introductory period, 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 4/13/21 is 3.25%. 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 the following closing costs on most new Equity Loan applications (Fixed Rate and Lines of Credit): settlement fees, flood determination fee, title search fee, credit report fee, and recording fees. Offer excludes the following fees: appraisal fee, lenders title insurance and any additional fees associated with properties held in a trust. Loans paid off and closed within thirty-six (36) months of origination date will require reimbursement of all closing costs paid by HRCU. 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. 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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