Skip to Page Content Skip to Footer
Seaboard Federal Credit Union - The smart place for your money!
Not A Member? Join Today!
Online Banking Login
Enroll Now
Forgot Username?

Real Estate Loan Rates

Rates will vary within the ranges shown based on borrower's credit score, selected term, and percentage financed. Contact our loan department for details.

You can use our mortgage loan calculator to estimate your monthly payments, see how your down payment affects your loan, and more.

Mortgage Calculator
Apply for a Mortgage
Apply for a Home Equity Line of Credit
Apply for a Home Equity Loan
Type Features Term-Loan Rate*-APR Mo. Payment**
Home Equity Line of Credit
   - Variable Rate		 90% Max Loan to Value
More Info		 15 Years
as low as 7.50%		  
Home Equity Loan
   - Fixed Rate & Terms		 90% Max Loan to Value
More Info		 up to 15 Years
as low as 7.00%		  

Mortgages - Fixed Rate

Including

  • Construction Loans

 

 80% Max Loan to Value

97% Max Loan to Value (with
Private Mortgage Insurance)

0 Points

Purchase & Refinance Transactions

Primary Residence

More Info
10 Years:  Rate: 6.000%
APR: 6.218%
15 Years:  Rate: 6.250%
APR: 6.405%
20 Years:  Rate: 6.750%
APR: 6.876%
30 Years:  Rate: 7.000%
APR: 7.098%
$1,110.21
$857.42

$760.36
$665.30

Mortgages - 5/5 ARM
Adjustable Rate Mortgage

Including

  • Construction Loans


Fixed Rate for first 5 years.
Rate may adjust every 5 years thereafter.
Contact us for details.

 80% Max Loan to Value

97% Max Loan to Value (with
Private Mortgage Insurance)

0 Points

Purchase & Refinance Transactions

Primary Residence

More Info
15 Years: Rate: 5.875%
APR: 6.146%
20 Years: Rate: 5.875%
APR: 6.145%
30 Years: Rate: 5.875%
APR: 6.147%
$837.12
$709.24

$591.54

Mortgages - 7/1 ARM
Adjustable Rate Mortgage

Including

  • Construction Loans


Fixed Rate for first 7 years.
Rate may adjust every
year thereafter.
Contact us for details.

 80% Max Loan to Value

97% Max Loan to Value (with Private Mortgage Insurance)

0 Points

Purchase & Refinance Transactions

Primary Residence

More Info
15 Years: Rate: 5.875%
APR: 6.101%
20 Years: Rate: 5.875%
APR: 6.103%
30 Years: Rate: 5.875%
APR: 6.112%
$837.12
$709.24
$591.54

First Time Homebuyers Progam

5/5 ARM

Fixed Rate for first 5 years.
Rate may adjust every 5 years thereafter.
Contact us for details.

1% Down Payment

0 Points

No homeownership within past 3 years

Primary Residence

$1,000 credit towards closing cost

More Info

 30 Years: Rate: 5.875%
APR: 6.147%

$591.54
Mobile Homes & Land

80% Max Loan to Value

90% Max Loan to Value (with Private Mortgage Insurnace) Double-Wides Only

 Please Call  
Land Loans 90% Max Loan to Value
0 Points
More Info

15 Years: Rate: 8.000%
APR: 8.278%

20 Years: Rate: 8.500%
APR: 8.636%

$477.83

 

$867.82
Camps and
Seasonal Properties

80% Max Loan to Value
0 Points
15 Year Max on Purchases/30 Year Balloon Available

More Info

 20 Years: Rate: 7.250%
APR: 7.359%		 $790.38
Second Home
Mortgage Loans		 80% Max Loan to Value
0 Points
More Info		 15 Years: Rate: 7.000%
APR: 7.134%		 $898.83

 

APR = Annual Percentage Rate

* These rates are subject to change without notice.

** All payments are shown based on $100,000 loan (except Home Equity, and Land which are based on $50,000) and exclude taxes and insurance.

We do not finance Condos or Single/Double Wide Mobile Homes on leased land at this time

Rates as of 6/25/2025 at 11:00 am