Mortgage Rates

Home Loan Rates

These rates and programs are some of the loan products WCCU offers. Rates posted are indications only and are subject to change without notice. Your actual rate and loan terms vary by many factors, such as credit, down payment or equity, income type or loan amount.

The rates and terms displayed are based on a $150,000 loan amount for financing a single family, owner-occupied primary residence home meeting secondary market criteria. Loan level price adjustments may also apply.

Contact us directly for exact loan quotes, official estimates and fees. Must qualify for WCCU Membership to be eligible for a loan.

Rates effective on 9/27/2023.

Loan Program


Annual Percentage Rate (APR)

Loan Type

Principal & Interest (P&I)

Loan Amount

30 Year Fixed Rate





$150,000 Loan

20 Year Fixed Rate





$150,000 Loan

15 Year Fixed Rate





$150,000 Loan

30 Year Fixed Rate GRH



USDA Guaranteed Rural Housing**


$150,000 Loan Base
$151,515 Total Loan

*Please note the Conventional interest rates, APR, terms and payment are based on $150,000.00 loan; $187,500 purchase price with 20% down payment; no private mortgage insurance, 1-unit single family home.  Payment displayed is principal and interest only and does not include property taxes and home insurance.

**The 30 Year Fixed GRH, USDA loan is based on a loan amount of $150,000 with the MIP Funding Fee of 1% financed; total loan of $151,515.  Zero down payment example. $150,000 purchase price. A monthly MIP (mortgage insurance premium) of $44 is also required. Payment displayed is principal and interest only and does not include property taxes and home insurance. The actual interest rate available to you will be based on your credit history and may be different than the rates shown. The GRH loan has income and property geographic restrictions including collateral restrictions.

Your actual rate, costs and payment could be higher, get an official Loan Estimate before choosing a loan. Please contact WCCU for additional loan options and information. Membership eligibility required. Loans available to qualified members. Federally insured by NCUA. Equal Housing Lender. NMLS #486034.