First Harvest Credit Union

Rates last updated on June 25, 2024

ProductRatePointsAPR^
Example Monthly Payment
below is for
$200,000 Loan Amount
Maximum Amount
30 Year Fixed7.000%0.0007.071%
$1,330.60
$766,550
20 Year Fixed6.875%0.0006.967%
$1,535.63
$766,550
15 Year Fixed6.750%0.0006.864%
$1,769.92
$766,550
7/6 month SOFR ARM*7.000%0.0007.590%
$1,330.61
$766,550
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. As of February 20, 2024 the SOFR index is 5.322%
5/6 month SOFR ARM* 7.000%0.0007.723%
$1,330.61
$766,550
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. As of February 20, 2024 the SOFR index is 5.322%


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 $766,550. The APR is based on a loan amount of $200,000. Hazard insurance and title insurance are required. Loans are subject to credit approval.


^Annual Percentage Rate. Rates subject to change.
*ARM = Adjustable Rate Mortgage

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