Home Loan Rates
Security Service Federal Credit Union offers competitive mortgage and home equity loans in Texas, Colorado, and Utah.

Power Rate Rates
Product | Points | APR† | Rate as low as... | Payment example | |
---|---|---|---|---|---|
30-Year Power Rate Fixed * | 0% | 5.798% | 5.625% | $777.14 | Apply |
20-Year Power Rate Fixed * | 0% | 5.603% | 5.375% | $919.14 | Apply |
15-Year Power Rate Fixed * | 0% | 5.156% | 4.875% | $1058.81 | Apply |
10-Year Power Rate Fixed * | 0% | 5.151% | 4.750% | $1415.44 | Apply |
Power Mortgage Rates
Product | Points | APR† | Rate as low as... | Payment example | |
---|---|---|---|---|---|
30-Year Fixed * | 0% | 6.209% | 6.125% | $820.27 | Apply |
20-Year Fixed * | 0% | 5.984% | 5.875% | $957.47 | Apply |
15-Year Fixed * | 0% | 5.507% | 5.375% | $1094.13 | Apply |
10-Year Fixed * | 0% | 5.437% | 5.250% | $1448.44 | Apply |
Adjustable Rate Mortgage
Product | Points | APR† | Rate as low as... | Payment example | |
---|---|---|---|---|---|
10/1-Year Adjustable Rate Mortgage * | 0% | 5.405% | 4.875% | $714.43 | Apply |
15/15-Year Adjustable Rate Mortgage * | 0% | 5.213% | 5.000% | $724.71 | Apply |
*Based on a $135,000 Loan Amount with an 80% LTV, and FICO>=740. Payment examples do not include taxes and insurance premiums; actual payment may be greater. Rate and payment may increase after consummation and varies based on index and margin.
Adjustable Rate (10/1 ARM) - Primary or secondary owner occupied residence,$135,000 loan amount, 80% Loan-to-Value, 2% annual adjustment and 5% over the lifetime of the loan.
Adjustable Rate (15/15 ARM) - Primary or secondary owner occupied residence,$135,000 loan amount, 80% Loan-to-Value, 5% Rate Cap for one-time adjustment.
Jumbo Power Rates
Product | Points | APR† | Rate as low as... | Payment example | |
---|---|---|---|---|---|
30-Year Power Rate Fixed Jumbo * | 0% | 5.751% | 5.625% | $3684.21 | Apply |
20-Year Power Rate Fixed Jumbo * | 0% | 5.541% | 5.375% | $4357.42 | Apply |
15-Year Power Rate Fixed Jumbo * | 0% | 5.079% | 4.875% | $5019.51 | Apply |
10-Year Power Rate Fixed Jumbo * | 0% | 5.040% | 4.750% | $6710.26 | Apply |
Jumbo Power Mortgage Rates
Product | Points | APR† | Rate as low as... | Payment example | |
---|---|---|---|---|---|
30-Year Fixed Jumbo * | 0% | 6.161% | 6.125% | $3888.71 | Apply |
20-Year Fixed Jumbo * | 0% | 5.922% | 5.875% | $4539.13 | Apply |
15-Year Fixed Jumbo * | 0% | 5.430% | 5.375% | $5186.98 | Apply |
10-Year Fixed Jumbo * | 0% | 5.326% | 5.250% | $6866.67 | Apply |
Jumbo Adjustable Rate Mortgage Rates
Product | Points | APR† | Rate as low as... | Payment example | |
---|---|---|---|---|---|
10/1-Year Adjustable Rate Mortgage Jumbo * | 0% | 5.220% | 4.875% | $3386.93 | Apply |
15/15-Year Adjustable Rate Mortgage Jumbo * | 0% | 5.169% | 5.000% | $3435.66 | Apply |
*Based on a $640,000 Loan Amount with an 80% LTV, and FICO>=740. Payment examples do not include taxes and insurance premiums; actual payment may be greater. Jumbo mortgage loans are mortgages in excess of $647,200 up to a maximum of $3,000,000 per loan. Rate and payment may increase after consummation and varies based on index and margin.
Adjustable Rate (10/1 ARM) Jumbo - Primary or secondary owner occupied residence,$640,000 loan amount, 80% Loan-to-Value, 2% annual adjustment and 5% over the lifetime of the loan.
Adjustable Rate (15/15 ARM) Jumbo - Primary or secondary owner occupied residence, $640,000 loan amount, 80% Loan-to-Value, 5% Rate Cap for one-time adjustment.
VA Loan Rates
Product | Points | APR† | Rate as low as... | Payment example | |
---|---|---|---|---|---|
30-Year VA * | 0% | 5.805% | 5.375% | $780.91 | Apply |
15-Year VA * | 0% | 6.364% | 5.625% | $1148.74 | Apply |
*Based on a $135,000 loan amount. Payment example includes funding fee, but does not include taxes and insurance. Actual payments will be higher. Available for purchases only. Loan amount subject to available VA entitlement; Visit www.va.gov/housing-assistance/home-loans/eligibility to learn about VA eligibility and entitlement.
Financing available for properties in Texas, Colorado, or Utah. Membership eligibility required. Loan subject to credit approval. Minimum loan amount may apply. Rates subject to change.
FHA Loan Rates
Product | Points | APR† | Rate as low as... | Payment example | |
---|---|---|---|---|---|
30-Year FHA * | 0% | 5.705% | 5.375% | $769.19 | Apply |
15-Year FHA * | 0% | 6.193% | 5.625% | $1131.51 | Apply |
*Based on a $135,000 loan amount. Payment example includes mortgage insurance, but does not include taxes and homeowners insurance. Actual payments will be higher. FHA loans require an upfront mortgage insurance premium (UFMIP), which may be financed or paid at closing. Monthly mortgage insurance premiums will apply. Available for purchases only.
Financing available for properties in Texas, Colorado, or Utah. Membership eligibility required. Loan subject to credit approval. Minimum loan amount may apply. Rates subject to change.
Lot/Land Rates
Product | Points | APR† | Rate as low as... | Payment example | |
---|---|---|---|---|---|
Land 15 YR Fixed * | 0% | 7.402% | 7.250% | $1232.36 | Apply |
Lot 15 YR Fixed * | 0% | 6.897% | 6.750% | $1194.63 | Apply |
Construction Loan Rates
Product | Points | APR† | Rate as low as... | Payment example | |
---|---|---|---|---|---|
1XClose 30 YR Fixed * | 0% | 6.255% | 6.125% | $830.23 | Apply |
1XClose 20 YR Fixed * | 0% | 6.051% | 5.875% | $984.12 | Apply |
1XClose 15 YR Fixed * | 0% | 5.595% | 5.375% | $1145.2 | Apply |
Home Equity Rates
Product | Years | APR† | Payment example | |
---|---|---|---|---|
10-Year Fixed Home Equity | 10 | 6.140% | $548.85 | Apply |
15-Year Fixed Home Equity | 15 | 6.152% | $418.56 | Apply |
20-Year Fixed Home Equity | 20 | 6.222% | $358.22 | Apply |
HELOC Rates
Product | APR† | |
---|---|---|
Home Equity LOC | 4.490% | Apply |
Home Equity LOC Interest Only | 4.490% | Apply |
Financing available for properties in Texas, Colorado or Utah. Membership eligibility required. Loan subject to credit approval.
† APR = Annual Percentage Rate. The APR is accurate as of 7/1/22.
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 than the rates shown above.