Real Estate Rates

Rates effective as of July 18, 2017

WRCU does offer Home Equity Loans and Lines of Credit on mobile homes. However, the maximum LTV offered for these properties is 80%. Details

Fixed Rate Home Equity Loan

Rates effective as of June 27, 2018

*LTV = Loan to Value

Rate DescriptionTermAPR
Home Equity 50% LTV*5 YearsAs low as 2.60%
50% LTV*10 YearsAs low as 3.85%
50% LTV*12 YearsAs low as 4.10%
50% LTV*15 YearsAs low as 4.60%
80% LTV*5 YearsAs low as 3.30%
80% LTV*10 YearsAs low as 4.50%
80% LTV*12 YearsAs low as 4.75%
80% LTV*15 YearsAs low as 5.25%
90% LTV*5 YearsAs low as 4.30%
90% LTV*10 YearsAs low as 5.50%
90% LTV*12 YearsAs low as 5.75%
90% LTV*15 YearsAs low as 6.25%

Home Equity Line of Credit - Variable Rate

Rate DescriptionTermAPR
50% LTV*

10 yr draw, then 15 yr payback period.

15 YearsAs low as 4.00%
80% LTV*

10 yr draw, then 15 yr payback period.

15 YearsAs low as 4.50%
90% LTV*

10 yr draw, then 15 yr payback period.

15 YearsAs low as 6.00%

1st Mortgage Loan Rates

The White River Credit Union does not offer first mortgages on homes at this time. However, if you are looking to re-finance your home, or borrow against the value of your home, one of our Home Equity Loans might be all you need. Contact us, and we may be able to help you with some creative financing that will suit your needs.

APR = Annual Percentage Rate