Mortgage Rates

TermInterest Rate*PointsAPR*Monthly Payment Per $1,000**
30 Years3.625%03.708%$4.56
30 Year (Portfolio)4.625%04.716%$5.14
20 Year3.500%03.615%$5.80
15 Years3.375%03.521%$7.09
10 Years3.250%03.461%$9.77
*Rates are effective as of April 2, 2020 and are subject to change without prior notice. Rates are specific to each loan application and may increase based upon credit score, loan to value (LTV), loan purpose, property type and other applicable factors. Rates and APRs (annual percentage rate) shown above are applicable for the purchase or no-cash out refinance of a single family, owner occupied home with a maximum 60% LTV and a minimum 740 credit score. Your rate and ARP may be different than show above. Private Mortgage Insurance (PMI) is required for down payments less than 20%. Homeowner’s insurance and flood insurance (if applicable) are required. Maximum loan amount is $510,400. 1 and 2 point options are also available. All loan applications must comply with secondary market guidelines. 30 year (portfolio) program is available for non-conforming loans.
**Payments do not include real estate taxes or insurance. Your payment obligation may be greater.


You must be come a member of the Polish National Credit Union if you are granted a loan and must remain a member for the life of the loan. Membership is attained by opening deposit account and is open to individuals who live, work or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.
TermInterest Rate*PointsAPR*Monthly Payment Per $1,000**
30 Years4.250%04.341%$4.92
*Rate is effective as of April 2, 2020 and is subject to change without notice. For loan amounts greater than $510,400 up to $750,000. Rate and APR (annual percentage rate) shown above assume a $100,000 loan amount and a 20% down payment/equity position. Private Mortgage Insurance (PMI) is required for down payments less than 20%. Homeowner’s insurance and flood insurance (if applicable) are required. All loan applications are subject to credit underwriting and property approval. Rates are specific to each loan application and may change based on borrower's credit score, loan to value (LTV), loan purpose, property type and other applicable factors. Your rate and APR may be different than shown above.
**Payments do not include real estate taxes or insurance. Your payment obligation may be greater.


You must be come a member of the Polish National Credit Union if you are granted a loan and must remain a member for the life of the loan. Membership is attained by opening deposit account and is open to individuals who live, work or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.
ProgramMaximum TermInterest RateAPR*Fully Indexed RateMonthly Payment per $1,000**
10/1 Year ARM30 Years3.750%3.977%4.000%$4.63
7/1 Year ARM30 Years3.500%3.914%4.000%$4.49
5/1 Year ARM30 Years3.250%3.895%4.000%$4.35
*Rates are effective as of March 5, 2020 and subject to change without notice. Rates and APRs (annual percentage rate) shown above assume a $100,000 loan amount and a 20% down payment/equity position. Private Mortgage Insurance (PMI) is required for down payments less than 20%. Homeowner’s insurance and flood insurance (if applicable) are required. Maximum loan amount is $510,400. All loan applications are subject to credit union underwriting guidelines and property approval. Rates shown above are specific to each transaction and are subject to change based upon the borrower's credit score, loan to value, loan purpose, property type and other applicable factors. Your rate and ARP may be different. Please contact a mortgage loan originator for more information.
**Payments do not include real estate taxes or insurance. Your payment obligation may be greater.

You must be come a member of the Polish National Credit Union if you are granted a loan and must remain a member for the life of the loan. Membership is attained by opening deposit account and is open to individuals who live, work or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.
ProgramMaximum TermInterest Rate*APR*Fully Indexed RateMonthly Payment per $1,000**
Fixed30 Years4.500%4.593%

N/A$5.07
5/1 ARM30 Years3.500%4.287%4.000%$4.49
*Rates are effective as of April 2, 2020 and are subject to change without notice. Rates and APR (annual percentage rate) shown above assumes a $100,000 loan amount and a 20% down payment/equity position. The maximum loan to value (LTV) is 80%. Homeowner's insurance and flood insurance (if applicable) are required. Maximum loan amount is $510,400. Theses products are for the construction of a single family, owner occupied home. A licensed general contractor is required. Contact a mortgage loan officer for program details and additional requirements. All loan applications are subject to credit union underwriting guidelines. Rates shown above are specific to each transaction and are subject to change based upon the borrower's credit score, loan to value (LTV) and other applicable factors. Your rate and APR may be different.
**Payments do not include real estate taxes or insurance. Your payment obligation may be greater.


You must be come a member of the Polish National Credit Union if you are granted a loan and must remain a member for the life of the loan. Membership is attained by opening deposit account and is open to individuals who live, work or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.
ProgramMaximum TermInterest RateAPR*Fully Indexed RateMonthly Payment per $1,000**
1 Year ARM15 Years4.000%4.561%4.375%$7.40
*Rate is effective as of February 11, 2020 and is subject to change without notice. Rate and APR (annual percentage rate) shown above assume a $100,000 loan amount and a 30% down payment/equity position. The maximum loan to value (LTV) is 70%. The minimum loan amount is $25,000 and the maximum loan amount is $510,400. The subject property must be a legal building lot and meet all credit union policy guidelines. All loan applications are subject to credit underwriting and property approval. Please contact a mortgage loan originator for program details and additional requirements. Rates are specific to each transaction and are subject to change based upon the borrower's credit score, loan to value (LTV) and other applicable factors. Your rate and APR may be different than shown above.
**Monthly payments do not include real estate taxes. Your payment obligation may be greater.

You must be come a member of the Polish National Credit Union if you are granted a loan and must remain a member for the life of the loan. Membership is attained by opening deposit account and is open to individuals who live, work or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.

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For more information about accounts and services, find a branch nearest youuse our Contact Form, or call us at (413) 592-9495.

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