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Conventional Loan

​When you use a conventional loan to purchase or refinance a home with Security Service, you’ll save up to $5,0001 in select closing costs and enjoy competitive rates, no origination fee, and flexible terms.

Conventional Mortgage Loan
We've removed the hurdles...

  • No Closing Costs – Security Service will pay up to $5,0001 in select closing costs
  • Further Savings – Enjoy competitive rates and no origination fee
  • Great, Low Rates – Compare our low, rate terms  for fixed- and adjustable-rate loans
Mem​ber Reviews

Conventional Mortgage Loan Rates

Conventional/Refinance Rates as low as... Points APR  
30-Year Fixed* 3.875% 0% 3.927% Apply
20-Year Fixed* 3.625% 0% 3.695% Apply
15-Year Fixed* 3.125% 0% 3.212% Apply
10-Year Fixed* 3.000% 0% 3.125% Apply

*Based on a $135,000 Loan Amount with a 80% LTV and FICO>=740. View our Mortgage Payment Examples.


More Benefits:

  • Stay Informed – Track interest rates and estimate monthly loan payments with Rate Tracker
  • No Guesswork – Use the Online Loan Consultant wizard to determine your ideal loan and rate
  • Lock In Your Rate – Lock in your interest rate and discount points with Rate Lock2

Membership eligibility required. Loan subject to credit approval. No Closing Cost offer does not cover mortgage insurance, seller paid closing costs, discount points, or pre-paids & reserves. The program is not valid for FHA or VA loans. If loan is closed or paid off within first 36 months of the term, member may be required to reimburse all or some of the closing costs incurred.

  1. Does not include mortgage insurance, seller paid closing costs, origination fee, discount points or pre-paids. The no closing program is not valid for FHA and VA loans. Closing costs may vary based on transaction.
  2. Applies to fixed rate mortgages with terms of 10, 15, 20, or 30 years and Adjustable Rate Mortgages (ARM) with a term of 30 years. The interest rate can be locked for a period of 30 days. Interest rate will be guaranteed provided member provides the credit union with all documentation, information, and certifications requested. Members must satisfy all loan approval conditions in a timely manner in order to allow the credit union adequate time to process and fund the loan within the lock period.

Financing available for properties in Texas, Colorado or Utah.

†  APR = Annual Percentage Rate. The APR is accurate as of 9/25/15.

Mortgage interest rates are subject to change at any time and without notice based on market fluctuations. The rate and term offered to members may differ from the rates reflected above based on the credit history, final loan-to-value, and mortgage loan program. Cash-out refinance transactions may be significantly different then the rates shown above.