Featured Home Loan rates as of June 18, 2024

Rates shown are for example purposes only. For complete rate details, please click here.

First Time Home Buyers get a 0.125% rate discount plus other great perks and benefits! Learn more 

Mortgages

Rates** APR1 Payment per $1,000*
15 Year Fixed Conforming 6.375 % 6.452 % $8.64
20 Year Fixed Conforming 6.500 % 6.562 % $7.46
30 Year Fixed Conforming 7.000 % 7.049 % $6.65
30 Year Fixed Jumbo 7.250 % 7.266 % $6.82
5/1 ARM Contact our MLOs for more details
7/1 ARM
10/1 ARM
* Other rates and terms available. Payment Per $1,000 does not include taxes and insurance if applicable. Your actual monthly payment amount may be higher.

** Rates are effective June 18, 2024, and are subject to change at any time. Conforming Purchase loan sizes up to $766,550 on one-unit properties. For adjustable-rate mortgages, rate may increase.

1 APR = Annual Percentage Rate. Annual Percentage Rate noted above is based on an 80% 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.

Home Equity Line of Credit (HELOC)

Rates** APR1
HELOC 8.240 % 8.240 %
HELOC Special2 6.990 % 6.990 % for 12 billing cycles; thereafter 8.240

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

**Rates are effective June 18, 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 8.50 %

Home Equity Loan

Rates** APR1 Payment per $1,000*
5 Year 6.625 % 6.625 % $19.62
10 Year 6.875 % 6.875 % $11.55

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

**Rates are effective June 18, 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.