| Conventional & Government Mortgages |
| Effective Date: Wednesday, September 17th, 2025 |
| Conventional & Government Mortgages |
| Click Here to View Today's Conventional and Rural Development Rates |
| All rates are subject to change without prior notice. These rates replace previously dated rates. These rates are for Circle Federal Credit Union members only. Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000. Equal Opportunity Lender. |
| Closed End Home Equity Loans |
| Effective Date: Wednesday, September 17th, 2025 |
| Term | Credit Score | Fixed Interest Rate | APR |
| Home Equity Loan Closed End |
| 5 Years |
750+ |
7.750% |
7.776% |
| |
700-749 |
8.000% |
8.026% |
| |
675-699 |
8.250% |
8.277% |
| |
674- |
8.750% |
9.777% |
| Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties*) |
| Home Equity Loan Closed End |
| 10 Years |
750+ |
8.000% |
8.026% |
| |
700-749 |
8.250% |
8.277% |
| |
675-699 |
8.500% |
8.527% |
| |
674- |
9.000% |
9.027% |
| Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties*) |
| Interest Rates Based on Credit Score at Time of Application. Applicants Must Meet Underwriting Guidelines to be Approved. APR is Calculated Based Upon Refinance Loan Amount of $100,000 with a 15 Year Amortization. * Maximum Loan Amount $100,000. * Balloon Options Available. |
| All rates are subject to change without prior notice. These rates replace previously dated rates. These rates are for Circle Federal Credit Union members only. Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000. Equal Opportunity Lender. |
| Home Equity Lines of Credit |
| Effective Date: Wednesday, September 17th, 2025 |
| Term | Credit Score | Interest Rate | APR |
| Home Equity Line of Credit - 2% Payment. |
| 5 Years |
750+ |
7.750% |
7.776% |
| |
700-749 |
8.000% |
8.026% |
| |
675-699 |
8.250% |
8.277% |
| |
674- |
8.750% |
8.777% |
| Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties*) |
| Home Equity Line of Credit - 1% Payment. |
| 10 Years |
750+ |
8.000% |
8.026% |
| |
700-749 |
8.250% |
8.277% |
| |
675-699 |
8.500% |
8.527% |
| |
674- |
9.000% |
9.027% |
| Maximum LTV 80% (75% for Manufactured, 50% for Investment Properties*) |
| Interest Rates Based on Credit Score at Time of Application. Applicants Must Meet Underwriting Guidelines to be Approved. APR is Calculated Based Upon Refinance Loan Amount of $100,000 with a 15 Year Amortization. * Maximum Loan Amount $100,000. * Balloon Product. |
| All rates are subject to change without prior notice. These rates replace previously dated rates. These rates are for Circle Federal Credit Union members only. Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000. Equal Opportunity Lender. |
| Jumbo/Portfolio Rates |
| Effective Date: Wednesday, September 17th, 2025 |
| Maximum Term | Credit Score | Interest Rate | APR |
| 60 Months (5 years) Balloon |
750+ |
8.250% |
8.347% |
| |
700-749 |
8.500% |
8.600% |
| |
675-699 |
8.750% |
8.850% |
| |
674- |
9.000% |
9.101% |
| 120 Months (10 years) Balloon |
| |
750+ |
8.500% |
8.600% |
| |
700-749 |
8.750% |
8.850% |
| |
675-699 |
9.000% |
9.101% |
| |
674- |
9.250% |
9.353% |
| Interest Rates Based on Credit Score at Time of Application. Applicants Must Meet Underwriting Guidelines to be Approved. Unless Otherwise Noted, APR is Calculated Based Upon Refinance Loan Amount of $150,000 with a 30 Year Amortization. Maximum Loan to Value is 80% (75% for manufactured homes). Maximum Amortization 360 Months. |
| All rates are subject to change without prior notice. These rates replace previously dated rates. These rates are for Circle Federal Credit Union members only. Membership required. Must qualify for Membership. Federally Insured by the NCUA up to $250,000. Equal Opportunity Lender. |
