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Mortgage Loan rates

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Interest Rates for Our Mortgage Loans

Mortgage and home equity loans, you can find the interest rate information for the mortgage loans at Sentry Credit Union.  

For more information contact Sentry Credit Union at SHO ext. 346-6534, local at (715) 346-6534 or (877) 368-7928.

All Rates effective November 29, 2021 and subject to change

Fixed Rate 1st Mortgage (Owner-Occupied Residences Only)

Repayment Terms

Interest Rate

APR (1)

P&I Payment (2)

15 Years

2.375%

2.470%

$892.39/Month

20 Years

2.750%

2.827%

$732.13/Month

30 Years

3.125%

3.182%

$578.60/Month

 

Fixed Rate Home Equity (Owner-Occupied Residences Only)

Repayment Terms

Interest Rate

APR (1)

P&I Payment (2)

10 Years

3.750%

3.750%

$250.22/Month

 

Variable Rate Home Equity Line of Credit (3) (Owner-Occupied Residences Only)

Draw Period

Interest Rate

APR (1)

Payment

10 Years

3.250%

3.250%

$160.00/Month

 

Vacant Land Loans

Repayment Terms

Interest Rate

APR (1)

P&I Payment (4)

15 Years

3.875%

4.156%

$293.50/Month

(1) Annual Percentage Rate

(2) P&I = Principal and Interest. Does not include payments for taxes and insurance. Hazard insurance required. Payments for the 15-20-30 Year Fixed Rate loans are based on a loan amount of $135,000. The payment for the 10-Year Fixed Rate Home Equity Loan is based on a loan amount of $25,000. The maximum Loan-to-Value (LTV) may vary by property type and credit score. The minimum loan amount for a Home Equity Loan is $5,000.

(3) Rates may change semi-annually after the account is opened. Variable interest rate based on The Wall Street Journal Prime Rate plus a margin of 0%. There are no annual membership fees or closing costs except for borrower requested services such as appraisal or survey. The maximum LTV is determined by credit score but may not exceed 95%. The minimum line of credit amount is $10,000. The maximum rate and APR are 18%. The draw period is 10 years with the minimum monthly payment due during the draw and repayment period is equal to the greater of $75 or $1.60 per hundred of the outstanding balance. The Home Equity Line of Credit payment example is based on a $10,000 initial advance. Interest may be tax deductible. Consult with your tax advisor. Hazard insurance is required.

(4) P&I = Principal and Interest. Does not include payments for taxes. Payments are based on a loan amount of $40,000. The maximum Loan-to-Value (LTV) may vary by property type and credit score. The minimum loan amount for a Vacant Land Loan is $5,000. Union.