Mortgage Rates

TermInterest RatePointsAPR*Monthly Payment Per $1,000
30 Years- ConformingAs low as 3.625%**03.697%$4.56
30 Year- Portfolio4.250%04.475%$4.92
20 Year- ConformingAs low as 3.500%**03.669%$5.80
15 Years- Conforming3.250%03.323%$7.03
10 Years- Conforming3.125%03.231%$9.71
*Rates effective as of January 2, 2020. 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. 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 are subject to credit underwriting and property approval. 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.
**Rates are specific to each loan application and may increase based upon credit score, loan to value (LTV), loan purpose, property type and other factors. Loan applications must comply with secondary market guidelines. Your interest rate and APR may be different.

TermInterest RatePointsAPR*Monthly 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 are effective as of January 2, 2020 and are subject to change without notice. For loan amounts greater than $510,400 up to $750,000. 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. 1 and 2 point options are also available. All loan applications are subject to credit underwriting and property approval. 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 RateMonthly Payment per $1,000
10/1 Year ARMUp to 30 Years3.375%4.074%4.625%$4.42
7/1 Year ARMUp to 30 Years3.250%4.230%4.625%$4.35
5/1 Year ARMUp to 30 Years3.125%4.369%4.625%$4.28
*Rates are effective as of January 2, 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. 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 $510,400. All loan applications are subject to credit underwriting and property approval. 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 RateMonthly Payment per $1,000
12/1 Year ARMUp to 30 Years3.250%3.869%4.875%$4.35
Fixed Rate Mortgage30 YearsAs low as 3.500%**3.572%$4.49
*Rates effective as of January 2, 2020. 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 $510,400. 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. 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.
**Rates shown above are specific to each transaction and are subject to change based upon credit score, loan to value (LTV), loan purpose, property type and other factors. Your interest rate and APR may be different.

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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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Important Notice: Our Exchange Street branch will be permanently closed on Thursday, February 6, 2020. Learn more.