Mortgage Rates
| Purchase & New Construction Loans | ||
| Effective Date: 12/19/2024 | ||
| Loan Type | Annual Percentage Rate (APR) | Apply |
| First Time Home Buyers Mortgage (Adjustable Rate up to 30 Years) | 6.25% | Apply For First Time Home Buyers Mortgage |
| Fixed Rate Conventional Mortgage (15, 20, and 30 Years) | For rates, contact our Mortgage Center at 850-434-2211 Ext. 842 | Apply For Fixed Rate Conventional Mortgage |
| 5 Year ARM | 6.25% | Apply For 5 Year ARM |
| Residential Lots/Land (Unimproved Property) - Variable | 8.50% | Apply For Residential Lots/Land (Unimproved Property) Loan |
| Refinance Loan Options | ||
| Effective Date: 12/12/2024 | ||
| Loan Type | Annual Percentage Rate (APR) | Apply |
| Fixed Rate Conventional Mortgage (15, 20, and 30 Years) | For rates, contact our Mortgage Center at 850-434-2211 Ext. 842 | Apply For Fixed Rate Conventional Mortgage |
| Accelerate Your Home Loan 7 Year Fixed Refinance (No Closing Costs)1 |
5.75% | Apply For 7 Year Fixed Refinance |
| Accelerate Your Home Loan 10 Year Fixed Refinance (No Closing Costs)1 |
5.875% | Apply For 10 Year Fixed Refinance |
| Accelerate Your Home Loan 12.5 Year Fixed Refinance (No Closing Costs)1 This is A Limited Time Offer |
6.00% | Apply For 12.5 Year Fixed Refinance |
| 15 Year Fixed Refinance2 This is A Limited Time Offer |
5.875% | Apply For 15 Year Fixed Refinance |
| 5 Year ARM | 6.25% | Apply For 5 Year ARM |
| Home Equity Loans | ||
| Effective Date: 12/19/2024 | ||
| Loan Type | Annual Percentage Rate (APR) | Apply |
| Home Equity Line of Credit — HELOC (Variable) | 7.50%* | Apply For Home Equity Line of Credit |
| 7 Year Home Equity Fixed 2nd | 6.75% | Apply For 7 Year Home Equity Fixed 2nd |
| 10 Year Home Equity Fixed 2nd | 6.875% | Apply For 10 Year Home Equity Fixed 2nd |
| 15 Year Home Equity Fixed 2nd | 7.875% | Apply For 15 Year Home Equity Fixed 2nd |
Subject to approval.
* This is a limited time offer. APR = Annual Percentage Rate. Interest rate based on the Wall Street Journal prime plus 0.00% for the life of the loan with a minimum rate of 3.00% APR and maximum of 17.00% APR. The Credit Union will pay all normal closing costs except appraisal/site inspection fee if member agrees to borrow $20,000.00 or more at closing and agrees to not pay off or close the line of credit for 24 months. When establishing a Home Equity Line of Credit limit, a full advance up to the limit must be taken at closing or member will be responsible for the portion of the closing costs on the amount not advanced. Offer available for new loans only. Not available on existing Members First home equity loans or refinancing of Members First home equity loans. Contact the Credit Union at 850-434-2211 for complete details. MFCU is an Equal Housing Lender. Member NCUA.
1 This is a limited time offer. APR = Annual Percentage Rate. Member must meet all loan approval guidelines; the terms listed above and must agree not to prepay for the first six months. Members that have had prior no closing cost loans paid by the Credit Union must advance a minimum of $50,000 in new money to qualify for the no closing cost special or agree to pay all normal closing costs on new loan. All loans subject to approval. Normal closing costs to be paid by MFCU include: Title insurance and Endorsements, Documentary Stamps, Mortgage Recording Fees, and Flood Zone Determination excluding Document Preparation Fee and Appraisal/Site Inspection Fee. MFCU is an Equal Housing Lender. Member NCUA.
2 APR= Annual Percentage Rate. Rates and terms are based upon individual credit worthiness. Offer subject to change without notice. Rates shown are effective November 26, 2024. Rates are on owner-occupied primary residences. Additional terms and conditions apply. NMLS #405711
All rates are subject to change at the sole discretion of the Board of Directors.****
For further information on all Credit Union deposit accounts, please refer to our Account Disclosures, give us a call at (850) 434-2211, or stop by one of our branch locations.
Home Equity Disclosures: Home Equity Early Disclosure & What You Should Know About HELOCs.
MORTGAGE LOAN OFFICER IDENTIFIER LISTING.
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