Mortgage
Purchase
You focus on making the house a home, and we’ll take care of the rest! The biggest purchase of your life – stress free!
Refinance
Life changes. Your home loan can too.
Home Equity
Your home is your asset, use it for anything you want, when you need it.
Mortgage Rates
Mortgage
| Product | Rate | APR* |
|---|---|---|
| 15-Year Fixed Conventional | ||
| 30-Year Fixed Conventional | ||
| 10/1 ARM1 | 6.125% | 6.437% |
| 5/1 ARM1 | 5.750% | 6.353% |
| 7/1 ARM1 | 5.875% | 6.430% |
| FHA - 30-Year Fixed | ||
| VA – 30-Year Fixed | ||
| USDA Rural Development |
1Rates updated as of 03/13/23. Rates are subject to change at any time. Loans are available to qualified borrowers on approved credit. Your credit rating will determine the final rate.Specific loan details may change pricing. A down payment may be required.
2Government loan rates shown above are for a purchase of a single family, primary residence with a loan amount of $150,000. The rate is based on a 30 day rate lock with a 760 credit score. Your loan's rate will depend on various factors including; loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.
Vanishing Mortgage
| Vanishing Mortgage - Exclusive to St. Cloud Financial Credit Union | ||
|---|---|---|
| 6 Years Fixed3 | ||
| 9 Years Fixed3 | ||
| 12 Years Fixed3 | ||
| Have 15 years or less to pay your mortgage? Refinance! Flat closing costs as low as $895, so no surprises |
||
Second Mortgage
| Second Mortgage | As low as APR* | |
|---|---|---|
| Terms up to 15 years, up to 100% loan to value | ||
Home Equity Line of Credit
| Home Equity Line of Credit (80% Loan to Value) | APR* | |
|---|---|---|
Rates are subject to change at any time. Loans are available to qualified borrowers on approved credit. Your credit rating will determine the final rate.Specific loan details may change pricing. A down payment may be required.
4The home equity line of credit (HELOC) has a variable rate indexed to the prime rate plus .25%. The HELOC rate will never exceed 15.00% APR, and it will never exceed the highest allowable rate for this type of agreement as determined by applicable state and federal laws.
Become a Member
St. Cloud Financial Credit Union is proud to serve the financial needs of our members. Everyone who lives or works in Stearns, Benton, Sherburne, Wright, Meeker, Kandiyohi, and Morrison counties is eligible for membership. We invite everyone to join!