Make Your Dream Home a Reality
Your mortgage, your move.
Homeownership is a big step, but it doesn’t have to be a stressful one. We’re here to make the process easier and more flexible from day one.
Our new Rate Escape offer can help ease that stress! You're now able to drop your rate one-time within the first 5 years of booking a Home Loan with us!
- No fee to drop your rate
- Help from in-house local mortgage experts
- Lower your home loan rate within the first 5 years
We're ready to help you every step of the way!
Mortgage Loan Rates
| Terms | Rate | APR* |
|---|---|---|
| 10 Year Fixed Rate | 5.250% | 5.536% |
| 15 Year Fixed Rate | 5.500% | 5.733% |
| 20 Year Fixed Rate | 5.750% | 5.965% |
| 30 Year Fixed Rate | 6.000% | 6.277% |
.png?width=1600&height=500&name=Rate%20Escape%20Example%20Calculator%20(2).png "Rate Escape Example Calculator (2)")
Based on this calculation, you could save $63,910.92 in interest over the life of your mortgage!
*APR = Annual Percentage Rate. APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice. *The following products are eligible for rate modification according to the following terms and conditions: a) loan is a fixed-rate mortgage loan product: 10,15, 20, or 30-year Deed of Trust originated with EFFCU on or after August 1, 2025; b) loans must have a minimum of twelve (12) consecutive on-time monthly payments leading up to the request; c) Request must made within the first five (5) years of the loan. Click here for all other terms and conditions. Education First Federal Credit Union is Federally Insured by NCUA and is an Equal Housing Lender.