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Mortgage Rates

Purchase & New Construction Loans
Effective Date: 11/01/2018
Loan TypeAnnual Percentage Rate (APR)Apply
First Time Home Buyers Mortgage (Adjustable Rate up to 30 Years) 3.75% Apply For First Time Home Buyers Mortgage
Fixed Rate Conventional Mortgage (15, 20, and 30 Years) For rates, contact our Mortgage Center at 850-434-2211 Ext. 842 Apply For Fixed Rate Conventional Mortgage
1, 2, and 5 Year Adjustable Rate Mortgage (Construction to Permanent up to 30 Years Available)    
1 Year ARM 3.75%

Apply For 1 Year ARM

2 Year ARM 3.75% Apply For 2 Year ARM
5 Year ARM 4.00% Apply For 5 Year ARM
Residential Lots/Land (Unimproved Property) - Variable 6.25% Apply For Residential Lots/Land (Unimproved Property) Loan

Apply for a loan

Refinance Loan Options
Effective Date: 11/01/2018
Loan TypeAnnual Percentage Rate (APR)Apply
Fixed Rate Conventional Mortgage (15, 20, and 30 Years) For rates, contact our Mortgage Center at 850-434-2211 Ext. 842 Apply For Fixed Rate Conventional Mortgage Refinance
7 Year Fixed Refinance (No Closing Costs)1 3.74% Apply For 7 Year Fixed Refinance
10 Year Fixed Refinance (No Closing Costs)1 4.25% Apply For 10 Year Fixed Refinance
1 Year ARM 3.75% Apply For 1 Year ARM
2 Year ARM 3.75% Apply For 2 Year ARM
5 Year ARM 4.00% Apply For 5 Year ARM

Apply for a loan

Home Equity Loans
Effective Date: 9/27/2018
Loan TypeAnnual Percentage Rate (APR)Apply
Home Equity Line of Credit (Variable) 5.25%* Apply For Home Equity Line of Credit
7 Year Home Equity Fixed 1st 4.50% Apply For 7 Year Home Equity Fixed 1st
7 Year Home Equity Fixed 2nd 4.50% Apply For 7 Year Home Equity Fixed 2nd
10 Year Home Equity Fixed 1st 4.90% Apply For 10 Year Home Equity Fixed 1st
10 Year Home Equity Fixed 2nd 4.90% Apply For 10 Year Home Equity Fixed 2nd
15 Year Home Equity Fixed 1st 4.50% Apply For 15 Year Home Equity Fixed 1st
15 Year Home Equity Fixed 2nd 6.50% Apply For 15 Year Home Equity Fixed 2nd
60 Month Home Equity Refinance Special (Member Pays Closing Costs) 3.99% Apply For 60 Month Home Equity Refinance Special

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Subject to approval.

* This is a limited time offer. APR = Annual Percentage Rate. Interest rate based on the Wall Street Journal prime plus 0.00% for the life of the loan with a minimum rate of 3.00% APR and maximum of 17.00% APR. The Credit Union will pay all normal closing costs except appraisal fee (if appraisal required) if member agrees to borrow $20,000.00 or more at closing and agrees to not pay off and close the line of credit for 24 months. When establishing a Home Equity Line of Credit limit, a full advance up to the limit must be taken at closing or member will be responsible for the portion of the closing costs on the amount not advanced. Offer available for new loans only. Not available on existing Members First home equity loans or refinancing of Members First home equity loans. Contact the Credit Union at 850-434-2211 for complete details. MFCU is an Equal Housing Lender. Member NCUA.

1 This is a limited time offer. APR = Annual Percentage Rate. Member must meet all loan approval guidelines; the terms listed above and must agree not to prepay for the first six months. Members that have had prior no closing cost loans paid by the Credit Union must advance a minimum of $30,000 in new money to qualify for the no closing cost special or agree to pay all normal closing costs on new loan. All loans subject to approval. Normal closing costs to be paid by MFCU include: Title insurance and Endorsements, Documentary Stamps, Mortgage Recording Fees, and Flood Zone Determination excluding Document Preparation Fee and Appraisal Fee. MFCU is an Equal Housing Lender. Member NCUA.

All rates are subject to change at the sole discretion of the Board of Directors.****

For further information on all Credit Union deposit accounts, please refer to our Membership and Account Agreement for Terms and Conditions, Electronic Transfers, Funds Availability, Funds Transfers and Truth In Savings. Please also see our Schedule of Fees.

MORTGAGE LOAN OFFICER IDENTIFIER LISTING.

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NMLS #405711
Equal Housing Lender National Credit Union Administration
This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act.
Members First Credit Union of Florida is not affiliated with Members First Credit Union (Kentucky)

Members First Credit Union of FL is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 877-434-6328. We are actively working to increase accessibility and usability of our website to everyone. All products and services available on this website are available at all Members First Credit Union of FL branches.

 

Any external links or websites to alternative sites are not operated by Members First Credit Union of FL. We are not responsible for the content of the alternate site or their accessibility standards.

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