Compare Current Mortgage Rates – Last updated and Verified: March 2026

Loan Fee $800

Loan Fee $800

Take Advantage of a 30-Year Fixed at 5.125% / 5.271% APR*

APR denotes "Annual Percentage Rate". Payments do not include real estate taxes or insurance, therefore actual payment obligations will be greater. Quoted rates include a 60 day rate lock. Maximum loan amount for a conforming loan is $806,500. Affordable Mortgage Program available for Residential First Mortgage loans for owner-occupied primary 1 to 2-family residences for those in Hunterdon, Mercer, Middlesex, and Union counties in New Jersey and Richmond and Kings counties in New York and either: (a.) are purchasing or refinancing a home in a low or moderate-income (LMI) census tract OR (b.) whose income is less than 80% of the county median income. Rates and terms are current as 11/24/25 and are subject to change at anytime without prior notice.

Loan Amount: $100,000

Loan Amount $300,000; 60 Day Lock

Loan Amount: $300,000

Loan Amount $200,000; 60 Day Lock

Loan Amount: $200,000

Based on a $100,000 loan for the specified term; Income limitations apply; Maximum term: 30 years

Loan Amount $100,000; 60 Day Lock

20% Down; Special rate for purchase transactions only.

Loan Amount: $300,000; Payment Example (Monthly): $1,726.97

The rates shown are for the purchase of a primary residence with no points paid.

Loan Amount: $200,000; Payment Example (Monthly): $1,151.31

A $420,000 30-year fixed rate at an interest rate of 5.625% (5.680% APR) would have a monthly principal and interest payment equal to $2,418. This example does not include taxes or insurance premiums. Rates shown are not intended to be a commitment to the loan type or amount for which you may qualify. All loans are subject to approval. Annual Percentage Rate (APR) may be higher than the rates shown and may vary based on credit qualifications and other criteria. Other restrictions may apply.

Important Assumptions

Loan Amount $226-250K

Rates effective as of 2/27/2026, 10:45:18 AM (ET). Rates are subject to change without notice based on market changes. Rates are based on a 45 day lock.

All rates are for single-family owner-occupied purchase or refinance. Conventional mortgage rates are based on credit scores of 620 and above. All rates for single-family owner-occupied purchase or refinance. Rates can vary for extended rate lock terms. All rates, terms and conditions are subject to change without notice. Loans are subject to credit approval. All information provided by CFCCU through its website is intended to be accurate. CFCCU is not responsible for typographical errors or omissions.

Purchases only

Milford, Stratford, West Haven and Orange only

OAC*