Southbridge Credit Union Mortgage Rates
Southbridge Credit Union based in Southbridge, Massachusetts, is offering some of the lowest mortgage rates currently available anywhere in MA. To give you an example right now the national average conforming 30 year mortgage rate is at 3.69 percent but Southbridge is advertising conforming 30 year mortgage rates and refinance rates at 3.50 percent with zero mortgage points.
You probably won't find any credit union or bank mortgage rates lower than this rate with zero points for a 30 year loan.
Lender
APR
Rate
Cost & Fees
Notes
Thank you for your quote.
The Guilford Savings Bank
4.542%
2/15/2019
4.500%
at 0.250 pts
60 day lock rate Est payment: $1,520.06
Fees in APR: $719
Savings Bank of Danbury
4.523%
2/15/2019
4.500%
at 0.000 pts
60 day lock rate Est payment: $1,520.06
Fees in APR: $790
Citizens Bank, NA
4.550%
2/15/2019
4.500%
at 0.250 pts
60 day lock rate Est payment: $1,520.06
Fees in APR: $998
Union Savings Bank
4.649%
2/15/2019
4.625%
at 0.000 pts
60 day lock rate Est payment: $1,542.42
Fees in APR: $852
Liberty Bank
4.419%
2/15/2019
4.375%
at 0.250 pts
60 day lock rate Est payment: $1,497.86
Fees in APR: $814
UniBank for Savings
4.786%
2/15/2019
4.750%
at 0.250 pts
60 day lock rate Est payment: $1,564.94
Fees in APR: $500
First National Bank of Omaha
4.815%
2/21/2019
4.750%
at 0.500 pts
60 day lock rate Est payment: $1,564.94
Fees in APR: $752
TD Bank, NA
4.405%
2/20/2019
4.375%
at 0.000 pts
45 day lock rate Est payment: $1,497.86
Fees in APR: $1,043
Santander Bank, N.A.
4.683%
2/21/2019
4.625%
at 0.000 pts
60 day lock rate Est payment: $1,542.42
Fees in APR: $2,004
The Washington Trust Company
4.280%
2/19/2019
4.250%
at 0.000 pts
30 day lock rate Est payment: $1,475.82
Fees in APR: $1,083
United Bank
4.401%
2/19/2019
4.375%
at 0.000 pts
30 day lock rate Est payment: $1,497.86
Fees in APR: $911
LincolnWay Community Bank
4.406%
2/19/2019
4.375%
at 0.000 pts
30 day lock rate Est payment: $1,497.86
Fees in APR: $1,085
Bank of America
4.373%
2/18/2019
4.250%
at 0.998 pts
60 day lock rate Est payment: $1,475.82
Fees in APR: $1,351
The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information. Wow, that is a really good rate, you can find other lenders offering 30 year mortgage rates today at 3.50 percent but you'll have to pay points up front. Points allow you to get a lower mortgage rate or refinance rate by paying money at closing. One point is equal to one percent of the loan. Southbridge Credit Union is also offering other fixed conventional mortgage rates including 20 year mortgage rates which are currently at 3.375 percent also with zero points. Like I always say if you can afford the higher mortgage payments each month that come with a shorter term loan you should go for it. 15 year mortgage rates today at Southbridge Credit Union are even lower than 30 year rates and 20 year rates. Current mortgage rates on 15 year conforming loans are advertised at 2.875 percent with zero mortgage points. Today's mortgage rates on 10 year fixed rate mortgages are advertised at 2.99 percent with zero points. Most people won't be able to afford a 10 year loan but if you can the amount of money you'll save as compared to a 30 year loan is unbelievable. If you want an even lower rate you can also get mortgage rate quotes from Southbridge Credit Union by contacting them directly. Southbridge Credit Union has adjustable mortgages available with some of the best rates around. For example, current mortgage rates on 1 year adjustable home loans are advertised at 2.375 percent. 3 year rates are advertised at 2.875 percent. 5 year adjustable rates are advertised at 3.25 percent and 7 year adjustable rates are advertised at 3.50 percent. All the adjustable home loans are amortized over a 30 year period. There are also annual caps of 2 percent and lifetime caps of 6 percent. As with any credit union you'll have to join to apply for a loan and as with any credit union membership isn't opened to everybody. Membership in the Southbridge Credit Union is available to people, businesses and organizations that are either residing, working or operating within the Massachusetts counties of Worcester, Bristol, Franklin, Hampshire, Norfolk, Hampden and Middlesex, and within a 25-miles radius of our the credit union's main branch in Southbridge. |
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