Rates change daily, please check our website to view the daily rates.  If you have additional questions, please contact usThe actual rate and terms you receive may vary based on individual creditworthiness and loan to value determination.

Loan Plans and Rates

You can compare various loan plans and interest rates below. Deselect any of the options in the box below to hide those plans. 

Loan Term
Loan Type
Amortization Type
Residence Type

10 Year Fixed Rate-Purchase

Description: 10 Year Fixed Rate-Purchase
Term In Months: 120 Loan Type: CNV Amortization Type: Fixed Rate

Interest Rate Discount Points Origination Fee Lock-In Term APR
3.500% 0.000% Refer to Main Menu > Fees --- 3.560%

10 Year Fixed Rate-Refinance

Description: 10 Year Fixed Rate-Refinance
Term In Months: 120 Loan Type: CNV Amortization Type: Fixed Rate

Interest Rate Discount Points Origination Fee Lock-In Term APR
3.500% 0.000% Refer to Main Menu > Fees --- 3.560%

15 Year Fixed Rate- Purchase

Description: 15 Year Fixed Rate- Purchase
Term In Months: 180 Loan Type: CNV Amortization Type: Fixed Rate

Interest Rate Discount Points Origination Fee Lock-In Term APR
3.500% 0.000% Refer to Main Menu > Fees --- 3.560%

15 Year Fixed Rate- Refinance

Description: 15 Year Fixed Rate- Refinance
Term In Months: 180 Loan Type: CNV Amortization Type: Fixed Rate

Interest Rate Discount Points Origination Fee Lock-In Term APR
3.500% 0.000% Refer to Main Menu > Fees --- 3.560%

30 Year Fixed Rate- Purchase

Description: 30 Year Fixed Rate- Purchase
Term In Months: 360 Loan Type: CNV Amortization Type: Fixed Rate

Interest Rate Discount Points Origination Fee Lock-In Term APR
4.130% 0.000% Refer to Main Menu > Fees --- 4.210%

30 Year Fixed Rate- Refinance

Description: 30 Year Fixed Rate- Refinance
Term In Months: 360 Loan Type: CNV Amortization Type: Fixed Rate

Interest Rate Discount Points Origination Fee Lock-In Term APR
4.130% 0.000% Refer to Main Menu > Fees --- 4.210%

5/1 ARM First-Time Homebuyer Program

Description: 5/1 Adjustable Rate Mortgage- First-Time Homebuyer Program
Term In Months: 360 Loan Type: CNV Amortization Type: Adjustable Rate

Interest Rate Discount Points Origination Fee Lock-In Term APR
3.750% 0.000% Refer to Main Menu > Fees --- 3.820%

5/1 Adjustable Rate Mortgage- Refinance

Description: 5/1 Adjustable Rate Mortgage- Refinance
Term In Months: 360 Loan Type: CNV Amortization Type: Adjustable Rate

Interest Rate Discount Points Origination Fee Lock-In Term APR
3.750% 0.000% Refer to Main Menu > Fees --- 3.820%

5/1 Adjustable Rate Mortgage-Purchase

Description: 5/1 Adjustable Rate Mortgage- Purchase
Term In Months: 360 Loan Type: CNV Amortization Type: Adjustable Rate

Interest Rate Discount Points Origination Fee Lock-In Term APR
3.750% 0.000% Refer to Main Menu > Fees --- 3.820%

RATES ARE SUBJECT TO CHANGE.  THE ACTUAL RATE AND TERMS YOU RECEIVE MAY VARY BASED ON INDIVIDUAL CREDITWORTHINESS AND LOAN TO VALUE DETERMINATION.

Would you like to apply using this rate plan? If so, please hit 'Apply Now' below, or hit 'Cancel' to return to the page.

Applies to all CTFCU Mortgage Products:

The rates appearing here are accurate as of the effective date: January 16, 2020. All terms and conditions are subject to change without notice. All mortgage loans require an interior appraisal by a licensed appraiser. The dwelling may be of conventional construction or a modular home and must be completed and ready for occupancy prior to closing. Construction loans are not available. This loan is not available for manufactured housing. A CONTRACT TO PURCHASE is required for all first mortgage loans unless refinanced. THIS LOAN IS NOT ASSUMABLE. Call 1-800-622-5305. The actual rate and terms you receive may vary based on individual creditworthiness and loan to value determination of the subject property. Real estate Loans are only available for homes in North Carolina or South Carolina and are subject to credit approval. CTFCU-NMLS# 402929

If you have any questions or wish to request a Rate and Fee Sheet with terms and additional information, please call the Credit Union at 1-704-391-5600 or 1-800-622-5305. Rates are subject to change without notice. Fees may reduce the earnings on some accounts. All services, such as loans, credit cards and checking accounts, are subject to approval.