Rates

The right rate can influence how you borrow, save, and plan for the future. SRFFCU offers competitive rates designed to support life’s major financial decisions, helping members compare their options with confidence

All rates listed on this page are valid as of July 17, 2026 and are subject to change without notice.

Fixed rate mortgages

Fixed Rate | Refinance / Purchase Type Term Rate APR1 Monthly Payment
0% origination 10 Year As low as 5.750% As low as 5.864% $2,744.24
0% origination 15 Year As low as 6.250% As low as 6.338% $2,143.56
0% origination 20 Year As low as 6.250% As low as 6.320% $1,827.33
0% origination 30 Year As low as 6.250% As low as 6.303% $1,539.30

APR = Annual Percentage Rate. Rates are subject to change without notice. Please contact SRFFCU for more details. *APR = Annual Percentage Rate. *** Rate based on automatic monthly payments. Without automatic payments, rates may be higher. Rates are subject to change without notice and may vary based on creditworthiness, loan amount, loan term, collateral, occupancy, and other factors. Loans are subject to approval criteria. Not all applicants will qualify. Mortgage APRs are based on a $250,000 loan and may vary depending on the loan amount and other factors. Payments do not include taxes and insurance; actual payment obligations may be greater. To qualify for any product or service, you must be a member or sign up for membership. New memberships are subject to membership terms and conditions. Additional terms and conditions may apply.

*Payments shown do not include taxes and insurance amounts. The actual payment obligation will be larger. Other restrictions apply.

Disclosures

Explore all of SRFFCU’s disclosures to learn more.

Become a Member and Access Better Rates

Membership gives you access to competitive credit union interest rates across loans, savings products, and certificates, along with personal service and digital tools that make everyday banking easier.