Home Loan Rates

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

1-800-681-4466

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

For full payment schedule, click here.

*Rates may be significantly different for cash-out refinance transactions. Based on a $135,000 Loan Amount with a 80% LTV, 1% origination fee, and FICO>=740. Payment examples do not include taxes and insurance premiums; actual payment may be greater.

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

For full payment schedule, click here.

*Rates may be significantly different for cash-out refinance transactions. Based on a $135,000 Loan Amount with a 80% LTV, and FICO>=740. Payment examples do not include taxes and insurance premiums; actual payment may be greater.

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

For full payment schedule, click here.

*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

For full payment schedule, click here.

*Rate and term refinance only. Based on a $640,000 Loan Amount with an 80% LTV, 1% origination fee 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.

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

For full payment schedule, click here.

*Rate and term refinance only. 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.

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

For full payment schedule, click here.

*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

For full payment schedule, click here.

*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

For full payment schedule, click here.

*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

* Based on a $135,000 Loan Amount with a 80% LTV and FICO>=740. Payment examples do not include taxes; actual payment may be greater.

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

For full payment schedule, click here.

* Based on a $135,000 Loan Amount with a 80% LTV and FICO>=740. Payment examples do not include taxes; actual payment may be greater.

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

For full payment schedule, click here.

†APR = Annual Percentage Rate. The APR is accurate as of 7/1/22. Based on a $50,000 loan amount with up to 80% combined loan-to-value (CLTV). Estimated payment does not include taxes and insurance premiums; actual payment may be greater.

HELOC Rates

Product	APR^†
Home Equity LOC	4.490%	Apply
Home Equity LOC Interest Only	4.490%	Apply

Rates subject to change.

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.