Home Loan Rates

** Rates are effective December 20, 2024, and are subject to change at any time. Conforming loans up to $766,550, 75% loan to value (LTV) ratio purchase, credit score  > 780, one unit, owner occupied properties.  For adjustable rate mortgages, rates may increase.  Rates include a .125% discount for maintaining an active Harvard FCU Crimson Elite Checking Account with mortgage autopay. To qualify for the discount, the Crimson Elite Checking Account must be established and maintained in good standing prior to the closing of your mortgage. The rate discount is subject to change or withdrawal at any time without notice. If the Crimson Elite Checking Account is closed or no longer meets the eligibility requirements, the rate discount will be forfeited, and your mortgage rate will be adjusted accordingly.  Investment/non-owner-occupied properties are not eligible.  Members that meet Fannie Mae’s low-income limits can select from any of Harvard FCU’s Checking Accounts; low-income limits set by most recent data available at ami-lookup-tool.fanniemae.com.  Additional terms and conditions may apply.  Please consult with a mortgage specialist for further details.

¹ APR = Annual Percentage Rate. Annual Percentage Rate noted above is based on an 75% Loan-to-Value (LTV) ratio.

Harvard FCU is an equal opportunity lender. By state law, all applications for loans must be in writing. Other stipulations may apply. All rates and terms are subject to credit approval and may change without notice.

* Total Loan-to-Value (LTV) not to exceed 80%.

**Rates are effective December 20, 2024, and are subject to change at any time. Home Owners Insurance is required. Minimum line amount $25,000.

¹ APR = Annual Percentage Rate. Rate adjusted monthly according to Prime Lending Rate as published in the Wall Street Journal. Subject to credit approval. Maximum APR is 18%. Rates advertised are the lowest rates available and include .26% discount with automatic payment from an Harvard FCU checking account.

²After the first 12 billing cycles the Annual Percentage Rate (APR) is variable. After the promotional period, the Interest Rate will be set on the first day of each month at .26% below the Prime Rate published in the Wall Street Journal on the last business day of the previous month. Maximum APR that may apply on Home Equity Lines is 18.00%. Rates and terms are subject to change.

If you close the line within 24 months from date of note, you will reimburse Harvard FCU the amount of waived fees not to exceed $920. Adequate property insurance, and possibly flood insurance, is required. 1-4 family, owner-occupied primary residence properties and second homes only.

Harvard FCU is an equal opportunity lender. By state law, all applications for loans must be in writing. Other stipulations may apply. All rates and terms are subject to credit approval and may change without notice.

Current Prime Rate is 7.500 %

* Total Loan-to-Value (LTV) not to exceed 80%.

**Rates are effective December 20, 2024, and are subject to change at any time.

¹ APR = Annual Percentage Rate. Other rates and terms available. Rates advertised are the lowest rates available and include a .25% discount with automatic payment from an Harvard FCU checking account. Actual rates may vary.

Harvard FCU is an equal opportunity lender. By state law, all applications for loans must be in writing. Other stipulations may apply. All rates and terms are subject to credit approval and may change without notice.