Receive up to $1,050† to cover lender fees when you apply for a BCU home loan or refinance by November 16.
A mortgage is more than a rate—it’s your future. We offer options and guidance to help you find the right fit, whether it’s your first home or your next.
*Rates may include points. See All Mortgage Rates for details.
Find the right mortgage with clarity, flexibility, and expert guidance.
| Mortgage Detail | Description | Term | Rate |
|---|---|---|---|
| 5/1 Adjustable-Rate Mortgage (ARM) | Enjoy a low initial rate that adjusts with the market. Various terms and options available. | 5/1 Year ARM | As low as 5.875%* |
| 15 Year Fixed Rate Mortgage | Get peace of mind with predictable monthly payments. Both traditional and short-term options available. | 15 Year Fixed | As low as 6.375%* |
| 20 Year Fixed Rate Mortgage | Predictable monthly payments for lasting peace of mind with a 20-year fixed mortgage. | 20 Year Fixed | As low as 6.500%* |
| 30 Year Fixed Rate Mortgage | Lock in peace of mind for the long haul. A 30-year mortgage means lower monthly payments and lasting security. | 30 Year Fixed | As low as 7.000%* |
| Jumbo Arm | Finance higher-priced homes without a large down payment or multiple mortgages. | Jumbo 7/1 Arm | As low as 6.125%* |
| First-Time Home Buyer | An Adjustable-Rate Mortgage (ARM) for first-time buyers with easy qualifications1, flexible down payment options, and no mortgage insurance required. | SmartBuyerTM | Contact for rates. |
Review mortgage types, rates, and terms, or talk with a Home Loan Expert to get personalized guidance.
We’ll walk through payments, timelines, and long term impact so you understand how each option fits your goals.
When you're ready, we'll guide you through the pre-approval or applications process.
From application to closing, you’ll have consistent support and clear communication throughout the process.
