Mortgage Rates

TermInterest RatePointsAPR*Payment Per $1,000
10 Years3.250%03.605%$9.77
15 Years3.500%03.726%$7.15
20 Years3.625%03.802%$5.86
30 Years3.750%03.878%$4.63
*APR=Annual Percentage Rate. The actual interest rate and fees available to you will be based on your credit history (and other factors) and may be different than the rates displayed here. Cost per thousand does not include RE taxes & insurance premiums. Actual payment may be higher. Annual Percentage Rate (APR) for all loans are based on a representative $100,000 loan amount for the stated term and include the points listed. Rates require minimum 20% down payment/equity, minimum 660 credit score for 1st lien position purchase or rate and term refinance of single family primary residence. Rates are not guaranteed until lock-in and subject to change without notice. Maximum loan amount is $484,350. All loan applications subject to credit underwriting and property approval. Homeowner's insurance and flood insurance (if applicable) are required. Private mortgage insurance (PMI) is required if your down payment/equity is less than 20% and rates may be higher. You must become 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 a deposit account and is open to individuals who live, work, or attend school in Hampden, Hampshire, Berkshire and Franklin counties in the state of Massachusetts and Hartford, Litchfield and Tolland Counties in the state of Connecticut. 1 and 2 point products are also available. Please contact a mortgage loan originator for more information.
TermInterest RatePointsAPR*Payment Per $1,000
10 Years3.250%03.605%$9.77
15 Years3.500%03.726%$7.15
20 Years3.625%03.802%$5.86
30 Years3.750%03.878%$4.63
*APR= Annual Percentage Rate and is effective as of July 1, 2019. The actual interest rate and fees available to you will be based on your credit history (and other factors) and may be different than the rates displayed here. The 3.750% interest rate requires 360 monthly payments of $4.63 per $1,000 borrowed. Cost per thousand does not include RE taxes & insurance premiums. Actual payment may be higher. Annual Percentage Rate (APR) for all loans are based on a $484,351 loan amount for the stated term. Maximum 80% loan-to-value (LTV). LTV’s over 80%, 1 point and 2 point products may also be available, see your mortgage loan originator for more information. Private Mortgage Insurance will be required if the LTV is greater than 80%. This product is for loan amounts of $484,351 to be secured by a 1st lien position purchase or refinance of a single family primary residence. Rates are not guaranteed until lock-in and subject to change without prior notice. Homeowner’s insurance and flood insurance (if applicable) are required. $1,500 off the closing costs of any new purchase first mortgage or new money refinanced mortgage with Automatic Payment from a PNCU Checking Account (Home Equity Loans and Home Equity Lines do not qualify for this offer). Closing cost discount will be applied as a lender credit at loan closing. To qualify for any discount a PNCU Checking Account must be opened prior to closing. All loan applications are subject to underwriting and collateral approval. This offer cannot be combined with any other offer. You must become 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 a deposit account and is open to individuals who live, work, or attend school in Hampden, Hampshire, Berkshire and Franklin counties in the state of Massachusetts and Hartford, Litchfield and Tolland Counties in the state of Connecticut.
ProgramTermInterest RateAPRFully Indexed RatePayment per $1,000
5/1 Year ARM30 Years3.375%4.747%5.465%$4.42
7/1 Year ARM30 Years3.500%4.577%5.465%$4.49
10/1 Year ARM30 Years3.750%4.543%5.465%$4.63
*APR= Annual Percentage Rate and assumes $100,000 mortgage and a 20% down payment. Maximum Loan-to-Value (LTV) is 95%. Private Mortgage Insurance (PMI) required if the down payment is less than 20%. Homeowners Insurance and Flood Insurance (if applicable) are required. Maximum loan amount is $484,350. Adjustable Rate Mortgages use the index of 1.94 and caps 2% and 6%. The above rates are discounted. The actual interest rate and fees available to you will be based on your credit history (and other factors) and may be different than the rates displayed here. The adjustable rates and payments can increase or decrease and can change without prior notice. All loans are subject to PNCU underwriting guidelines and property approval. You must become 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 a deposit account and is open to individuals who live, work, or attend school in Hampden, Hampshire, Berkshire and Franklin counties in the state of Massachusetts and Hartford, Litchfield and Tolland Counties in the state of Connecticut. 1 and 2 point products are also available. Please contact a mortgage loan originator for more information.
ProgramTermInterest RateAPR*Fully Indexed RatePayment per $1,000
12/1 Year ARM*30 Years3.500%4.197%5.465%$4.49
Fixed Rate Mortgage**30 Years3.625%3.751%$4.56
*APR= Annual Percentage Rate and assumes $100,000 mortgage and a 3% minimum down payment. Maximum Loan-to-Value (LTV) is 97%. Private Mortgage Insurance (PMI) required if the down payment is less than 20%. Homeowners Insurance and Flood Insurance (if applicable) are required. Maximum loan amount is $484,350. Adjustable Rate Mortgages use the current index of 1.94 and caps of 2% and 6%. No income limits apply. The credit union will pay the appraisal fee up to $485. At least one borrower must complete the online Homebuyer Education Program and at least one borrower may not have owned another home within the last 3 years. Eligible properties are owner occupied single family or a warrantable condominium. This offer can change without prior notice. You must become 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 a deposit account and is open to individuals who live, work, or attend school in Hampden, Hampshire, Berkshire and Franklin counties in the state of Massachusetts and Hartford, Litchfield and Tolland Counties in the state of Connecticut. 1 and 2 point products are also available. Please contact a mortgage loan originator for more information.
**APR= Annual Percentage Rate and assumes $100,000 mortgage and a 3% minimum down payment. Maximum Loan-to-Value (LTV) is 97%. Private Mortgage Insurance (PMI) required if the down payment is less than 20%. Homeowners Insurance and Flood Insurance (if applicable) are required. Maximum loan amount is $484,350. No income limits apply. The credit union will pay the appraisal fee up to $485. At least one borrower must complete the online Homebuyer Education Program and at least one borrower may not have owned another home within the last 3 years. Eligible properties are owner occupied single family or a warrantable condominium. All loans are subject to PNCU, underwriting guidelines and property approval. This offer can change without prior notice. You must become 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 a deposit account and is open to individuals who live, work, or attend school in Hampden, Hampshire, Berkshire and Franklin counties in the state of Massachusetts and Hartford, Litchfield and Tolland Counties in the state of Connecticut. 1 and 2 point products are also available. Please contact a mortgage loan originator for more information.

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