MSUFCU Routing Number: 272479663
MSUFCU SWIFT Code: MSUCUS44

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MSU Federal Credit Union | Rates | Home Loans
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Home Loan Rates as of 08/28/2015  
Mortgage Rates last updated Thursday, August 27, 2015 9:34:18 AM EDT
Home Equity Rates last updated Saturday, August 01, 2015 05:00 AM EDT

Conventional Mortgages Fixed

Rate

APR

Points

30 Year

as low as 4.000%

4.067%

0%

20 Year

as low as 3.750%

3.842%

0%

15 Year

as low as 3.250%

3.366%

0%

10 Year

as low as 3.125%

3.294%

0%

Jumbo Mortgages Fixed

Rate

APR

Points

30 Year

as low as 4.375%

4.391%

0%

20 Year

as low as 4.125%

4.147%

0%

15 Year

as low as 3.625%

3.653%

0%

10 Year

as low as 3.500%

3.541%

0%

Adjustable-Rate Mortgages

Rate

APR

Points

5/1

as low as 2.950%

TBD

0%

3/1

as low as 2.750%

TBD

0%

1/1

as low as 2.500%

TBD

0%

Home Equity Line of Credit

APR

Up to 70% Loan-to-Value

as low as 3.250%

Up to 80% Loan-to-Value

as low as 3.750%

Home Equity Fixed Rate

APR

Up to 70% Loan-to-Value up to 60 months

as low as 3.750%

Up to 70% Loan-to-Value up to 120 months

as low as 4.000%

Up to 70% Loan-to-Value up to 180 months

as low as 4.250%

Up to 80% Loan-to-Value up to 60 months

as low as 4.000%

Up to 80% Loan-to-Value up to 120 months

as low as 4.500%

Up to 80% Loan-to-Value up to 180 months

as low as 5.000%

Mortgage Loan Terms

APRs are based on $100,000.00 and points indicated and does not include prepaid finance charges. Jumbo APRs based on $417,000.00 and points indicated and does not include prepaid finance charges.
Fixed 60-day lock.

Processing/rate lock fee for mortgage accounts: $500.00, due at the time your rate is locked. Rates can be locked at your request by signing a rate lock and paying the required fee. Closing/Settlement fee for mortgage accounts: $350.00 plus third party costs.

Rates are available for Fixed-Rate Mortgages, Jumbo Mortgages and Adjustable-Rate Mortgages. All rates subject to change without notice.

Adjustable-Rate Mortgage

Adustable-Rate Mortgages are variable and your APR may increase after the original rate period.

Rates are based on credit history, so your rate may differ from rate(s) listed above. All loans are subject to credit approval.


Home Equity Loan Terms

The above rates are for new Prime Advantage home equity loans. If your Prime Advantage home equity loan was originated prior to March 1, 2009, your current rate will be listed in your account in ComputerLine.

Only owner-occupied properties are eligible. Consult with a reliable tax advisor about the deductibility of home equity loan interest. MSUFCU will acquire a security interest in your home and if timely repayment is not made, your home could be subject to loss.

Minimum rate is 2.00% APR and will never fall below 2.00% APR. Depending on your credit score and Loan-to-Value ratio, the minimum rate can be between 2.00% APR and 7.00% APR.

Subject to MSUFCU's Floor Rate.

Appraisal is required and is paid for by the member.

There are no origination fees or closing costs for properties located in Michigan. At anytime an appraisal is required for Michigan, the cost will be the borrower's responsibility. Any special offer does not apply to the cost of the appraisal.

If the Home Equity fixed rate loan will be in the first lien position and the loan amount is over $100,000, this loan will processed as a first mortgage refinance and the mortgage loan terms and rates will apply.

Loan only available on properties in Michigan

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