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Mortgage Loan Rates

A complete list of all rates for all Members 1st mortgage products.

Purchase Mortgage

Rates

APR* as low as

Conventional 30 Year Fixed

5.249%

Rate

5.422%

APR

Conventional 20 Year Fixed

5.500%

Rate

5.728%

APR

Conventional 15 Year Fixed

5.000%

Rate

5.284%

APR

Conventional 10 Year Fixed

5.000%

Rate

5.406%

APR

FHA 30 Year Fixed

6.000%

Rate

6.757%

APR

VA 30 Year Fixed

6.000%

Rate

6.023%

APR

Personalized Quote

All rates displayed have zero points.

Important Rate Information: This is not a quote. These rates are published weekdays near 10:00am EST. Interest rates fluctuate throughout the day and may be different at the time you apply and will likely differ based on your specific scenario. The information provided here is general and assumes only the following scenario: Purpose of the loan: Purchase a property. Property location: Redding, CA 96049 Property Type: Existing single family home Property Use: Primary Residence Estimated property value: $200,000 Estimated down-payment: $40,000 Loan amount: $160,000 (80% Loan to Value) Credit Score: 760 Escrow (impound) account is required. Rate lock period is 60 days. Fees: $3,000 to estimate closing costs in order to approximate an APR. For a quote with specifics to your scenario please click on rates which contain a link to a quoting or application tool.

Refinance Mortgage

Rates

APR* as low as

Rates

APR* as low as

10-Year Mortgage

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Fixed 10-Year Mortgage

4.750%

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4.750%

Fixed

15-Year Mortgage

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Fixed 15-Year Mortgage

4.990%

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4.990%

Fixed

20-Year Mortgage

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Fixed 20-Year Mortgage

5.250%

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5.250%

Fixed

30-Year Mortgage

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Fixed 30-Year Mortgage

5.490%

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5.490%

Fixed

View Rate Sheet

Construction

Rates

Rates and APR* as low as

30 Year Fixed - After Construction

Permanent Financing

5.249%

Rate

5.422%

APR

30 Year Fixed - During Constuction

Interest Only Payments

6.249%

Rate

6.422%

APR

Personalized Quote

*Last Refresh: 6/24/2022 1:24:04 PM

All rates displayed have zero points.

Rate floor is 3%.

Important Rate Information: This is not a quote. These rates are published weekdays near 10:00am EST. Interest rates fluctuate throughout the day and may be different at the time you apply and will likely differ based on your specific scenario. The information provided here is general and assumes only the following scenario: Purpose of the loan: Purchase a property. Property location: Redding, CA 96049 Property Type: Existing single family home Property Use: Primary Residence Estimated property value: $200,000 Estimated down-payment: $40,000 Loan amount: $160,000 (80% Loan to Value) Credit Score: 760 Escrow (impound) account is required. Rate lock period is 60 days. Fees: $3,000 to estimate closing costs in order to approximate an APR. For a quote with specifics to your scenario please click on rates which contain a link to a quoting or application tool.

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