Mortgage Rates

TermInterest RatePointsAPR*Payment Per $1,000
30 Years- Conforming3.875%03.948%$4.70
30 Year- Portfolio4.125%04.169%$4.85
20 Year- Conforming3.500%03.669%$5.80
15 Years- Conforming3.250%03.323%$7.03
10 Years- Conforming3.125%03.231%$9.71
*Rates effective as of October 17, 2019. All rates are subject to change without prior notice. Rates and APRs (annual percentage rate) shown above assume a $100,000 loan amount and a 20% down payment/equity position. Rates may vary based upon your credit profile, property type, loan to value (LTV), loan purpose and other applicable factors. 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 $484,350. 1 and 2 point options are also available. All loan applications are subject to credit underwriting and property approval and must conform to all secondary market requirements. Other fixed rate products are available for non-conforming loans. To obtain a loan at Polish National Credit Union, you must be or become a member of the credit union and remain a member for the life of the loan. Membership may be restricted. Please contact a mortgage loan originator for more information.
TermInterest RatePointsAPR*Payment Per $1,000
30 Years3.875%03.905%$4.70
20 Years3.750%03.792%$5.93
15 Years3.625%03.678%$7.21
10 Years3.500%03.576%$9.89
*Rates effective as of October 3, 2019. All rates are subject to change without prior notice. Rates and APRs (annual percentage rate) shown above assume a $100,000 loan amount and a 20% down payment/equity position. Rates may vary based upon your credit profile, property type, loan to value (LTV), loan purpose and other applicable factors. 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 $484,350. 1 and 2 point options are also available. All loan applications are subject to credit underwriting and property approval and must conform to all secondary market requirements. Other fixed rate products are available for non-conforming loans. To obtain a loan at Polish National Credit Union, you must be or become a member of the credit union and remain a member for the life of the loan. Membership may be restricted. Please contact a mortgage loan originator for more information.
ProgramTermInterest RateAPRFully Indexed RatePayment per $1,000
10/1 Year ARM30 Years3.375%4.074%4.625%$4.42
7/1 Year ARM30 Years3.250%4.230%4.625%$4.35
5/1 Year ARM30 Years3.125%4.369%4.625%$4.28
*Rates effective as of October 3, 2019. All rates are subject to change without prior notice. Rates and APRs (annual percentage rate) shown above assume a $100,000 loan amount and a 20% down payment/equity position. Rates may vary based upon your credit profile, property type, loan to value (LTV), loan purpose and other applicable factors. 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 $484,350. 1 and 2 point options are also available. All loan applications are subject to credit underwriting and property approval and must conform to all secondary market requirements. Other fixed rate products are available for non-conforming loans. To obtain a loan at Polish National Credit Union, you must be or become a member of the credit union and remain a member for the life of the loan. Membership may be restricted. Please contact a mortgage loan originator for more information.
ProgramTermInterest RateAPR*Fully Indexed RatePayment per $1,000
12/1 Year ARM*30 Years3.250%3.869%4.875%$4.35
Fixed Rate Mortgage**30 Years3.750%3.823%$4.63
*Rates effective as of October 17, 2019. All rates are subject to change without prior notice. Rates and APRs (annual percentage rate) shown above assume a $100,000 loan amount and a 20% down payment/equity position. Rates may vary based upon your credit profile, property type, loan to value (LTV), loan purpose and other applicable factors. 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 $484,350. 1 and 2 point options are also available. All loan applications are subject to credit underwriting and property approval and must conform to all secondary market requirements. Other fixed rate products are available for non-conforming loans. To obtain a loan at Polish National Credit Union, you must be or become a member of the credit union and remain a member for the life of the loan. Membership may be restricted. 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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Please be advised our Wilbraham Branch will reopen at 12:00 PM today, October 17. Please visit our Hampden Branch, 25 East Longmeadow Road for all your banking needs.