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SCAM ALERT: Some SLFCU members report they are receiving fraudulent emails appearing to come from Geek Squad that direct them to call a phone number to avoid their computer being compromised. If you receive such an email, do not reply or call the number within it, and delete the email immediately. Also, as a reminder, SLFCU will NEVER email, call, or text you to ask for your online banking credentials, your PIN, or to request a transfer of funds.

The 2023 Annual Membership Meeting notice is now available. Click here to learn more.

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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: Wednesday, February 8, 2023
TermPointsRateAPRPayment Per $1,000 Financed
30 Year 1.000% As low as 6.250 As low as 6.456 $6.16
30 Year 0.000% As low as 6.375 As low as 6.486 $6.24
30 Year -0.250% As low as 6.500 As low as 6.612 $6.32
20 Year 1.000% As low as 6.000 As low as 6.269 $7.16
20 Year 0.000% As low as 6.125 As low as 6.268 $7.24
20 Year -0.125% As low as 6.250 As low as 6.395 $7.31
15 Year 0.750% As low as 5.625 As low as 5.917 $8.24
15 Year 0.000% As low as 5.750 As low as 5.925 $8.30
15 Year -0.250% As low as 5.875 As low as 6.052 $8.37
10 Year 0.750% As low as 5.500 As low as 5.913 $10.85
10 Year 0.000% As low as 5.625 As low as 5.872 $10.91
10 Year -0.250% As low as 5.750 As low as 5.999 $10.98

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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. Available rate based on credit history. Not everyone will qualify for lowest rate. 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.

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