Products
First Harvest Credit Union offers a variety of loan programs to meet your needs. We will help you find what's best for you.
 
30 Year Fixed Rate
20 Year Fixed Rate
15 Year Fixed Rate
7/6 month SOFR ARM
5/6 month SOFR ARM
3/6 month SOFR ARM

Rates last updated on Friday, May 20, 2022

30 Year Fixed Rate
Term: 30 years   Maximum Amount: $647,200
RatesAPRPoints
5.375%5.439%0%

20 Year Fixed Rate
Term: 20 years   Maximum Amount: $647,200
RatesAPRPoints
5.25%5.336%0%

15 Year Fixed Rate
Term: 15 years   Maximum Amount: $647,200
RatesAPRPoints
4.875%4.983%0%

7/6 month SOFR ARM
Term: 30 years   Maximum Amount: $647,200
RatesAPRPoints
4.625%3.901%0%
 
The initial interest rate remains the same for the first seven years. After seven years the rate is reset. The reset rate remains the same for six months and will reset every six months for the remaining life of the loan. The rate can change a maximum of 5% on the first rate reset. On each semi-annual rate reset thereafter the rate can change a maximum of 1%. The maximum rate increase for the life of the loan is 5%.The interest rate reset is determined by adding the margin to the 30 day average of the Secure Overnight Financing Rate (SOFR). The SOFR is published by the New York Federal Reserve Bank.

5/6 month SOFR ARM
Term: 30 years   Maximum Amount: $647,200
RatesAPRPoints
4.125%3.54%0%
 
The initial interest rate remains the same for the first five years. After five years the rate is reset. The reset rate remains the same for six months and will reset every six months for the remaining life of the loan. The rate can change a maximum of 2% on the first rate reset. On each semi-annual rate reset thereafter the rate can change a maximum of 1%. The maximum rate increase for the life of the loan is 5%.The interest rate reset is determined by adding the margin to the 30 day average of the Secure Overnight Financing Rate (SOFR). The SOFR is published by the New York Federal Reserve Bank.

3/6 month SOFR ARM
Term: 30 years   Maximum Amount: $647,200
RatesAPRPoints
3.5%3.266%0%
 
The initial interest rate remains the same for the first three years. After three years the rate is reset. The reset rate remains the same for six months and will reset every six months for the remaining life of the loan. The rate can change a maximum of 2% on the first rate reset. On each semi-annual rate reset thereafter the rate can change a maximum of 1%. The maximum rate increase for the life of the loan is 5%.The interest rate reset is determined by adding the margin to the 30 day average of the Secure Overnight Financing Rate (SOFR). The SOFR is published by the New York Federal Reserve Bank.


Your interest rate may be higher than shown above. Your rate is based on FICO scores and other determining factors. Rates are available for 1-4 unit owner-occupied dwellings in an amount up to $548,250. The APR is based on a loan amount of $200,000. Hazard insurance and title insurance are required. Loans are subject to credit approval.