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Sandia Laboratory Federal Credit Union Sandia Laboratory Federal Credit Union Go to main content
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Couple moving in to a new home.

Fixed Rate Mortgages

Consider this mortgage if you are looking for long-term rate and payment stability. Lock in a low interest rate and get a fixed monthly payment, a variety of terms, and the option to pay points to reduce your rate.

Your fixed rate mortgage will be serviced by SLFCU – from application and processing to closing the loan and beyond. When you make a payment or have a question, you’ll talk to the professional, friendly staff at SLFCU.

Get started today: APPLY NOW     Estimate Your Payments


With a good credit history, you can put down as little as 5% in most markets; for lower credit scores, a 10% down payment is required. SLFCU can loan 80% on a first fixed-rate mortgage and finance the rest with an adjustable rate second mortgage. With this loan structuring, you avoid paying Private Mortgage Insurance (PMI).


Fixed Rate Mortgages
Effective Date: Friday, October 15, 2021
TermPointsRateAPRPayment Per $1,000 Financed
30 Year 0.750% 3.125% 3.266% $4.28
30 Year 0.250% 3.250% 3.352% $4.35
30 Year -0.250% 3.375% 3.457% $4.42
20 Year 0.375% 3.000% 3.155% $5.55
20 Year 0.000% 3.125% 3.239% $5.61
20 Year -0.500% 3.250% 3.365% $5.67
15 Year 0.375% 2.375% 2.568% $6.61
15 Year 0.000% 2.500% 2.641% $6.67
15 Year -0.375% 2.625% 2.767% $6.73
10 Year 0.375% 2.250% 2.532% $9.31
10 Year 0.000% 2.375% 2.579% $9.37
10 Year -0.375% 2.500% 2.706% $9.43

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Mortgage Disclosure: Maximum loan-to-value is 80% for all fixed rate mortgages and standard adjustable rate mortgages. Rates subject to change; check with SLFCU for current rates. If loan does not close, fees incurred will be charged to the member. A $45 initial credit report fee applies to all loans. All loans subject to credit approval. Contact SLFCU for details.

5/5 Adjustable Rate Mortgage Disclosure: Rate for the remaining term adjusts every five years and is based on the then-current index plus margin, rounded to the nearest eighth of a percentage point, and subject to the floor rate.

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