Daily Loan Rates

Our Best Rates are Listed

We have many options for financing or refinancing primary residences, second homes and investment properties. Our mortgage loans cover single-family homes, condominiums, duplex, tri-plex and four-plex properties.

• Annual Percentage Rate(APR is based on fees asscociated with your loan type)
• $0 Origination Fee on all in house loans except Owner/Builder construction loans
• All rates are subject to change without notice
• There are NO prepayment penalties on any loan with MVFCU

Also, be sure to learn about MVFCU's 10-Year Mortgage program!

NMLS#418470

Alaska Consumer Real Estate Loan Rates

Effective as of August 30, 2018

For more information please call (907) 745-9165 or (907) 694-4891 x165

Owner Occupied First Deed of Trust: Single Family Residence

Loan Term	Maximum Loan to Value	Interest Rate	APR
10 years a	80%	4.50%	4.683%
15 years b	80%	4.75%	4.880%
20 years c	80%	5.00%	5.104%
30 years d	80%	5.25%	5.329%

Recreational Cabin: Primary Residence or a Second Home

Loan Term	Maximum Loan to Value	Interest Rate	APR
15 years e	75%	6.50%	6.648%

Owner Occupied Second Deed of Trust: Single Family Residence

Loan Term	Maximum Loan to Value	Interest Rate	APR
Up to 7 years f	80%	6.75%	6.995%
Up to 15 years g	80%	7.75%	7.913%

Improved Consumer Land: Residential Lot with Improvements

Loan Term	Maximum Loan to Value	Interest Rate	APR
8 years h	70%	6.85%	7.274%
12 years i	70%	7.35%	7.663%

Un-Improved Consumer Land: Residential Lot or Small Tracts not for Development

Loan Term	Maximum Loan to Value	Interest Rate	APR
8 years j	60%	6.85%	7.274%
12 years k	60%	7.35%	7.663%

Home Equity Line First Deed of Trust

Maximum Loan amount $500,000, No Loan Origination Fee. Current Prime Rate: 5.00%

Loan Term	Maximum Loan to Value	Base Interest Rate	Rate Floor	Rate Ceiling
7 year draw	80%	Prime + 0.25%	5.00%	15.00%

Home Equity Line Second Deed of Trust

Maximum Loan amount $300,000, No Loan Origination Fee. Current Prime Rate: 5.00%

Loan Term	Maximum Loan to Value	Base Interest Rate	Rate Floor	Rate Ceiling
7 year draw	80%	Prime + 0.75%	5.00%	15.00%

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Call for Rates and Terms on Recreational Homes or Cabins!

Interest Rates are subject to change without notice and may vary based on your credit history, loan amount and/or property type. Actual APR on some loans may be higher based on loan amount and terms selected. There will be additional third party fees.

Notes:

a	Assumes a 20% down payment on a loan amount of $100,000 and a minimum credit score of 740. The monthly payment in this example is $1036.38, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
b	Assumes a 20% down payment on a loan amount of $100,000 and a minimum credit score of 740. The monthly payment in this example is $777.83, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
c	Assumes a 20% down payment on a loan amount of $100,000 and a minimum credit score of 740. The monthly payment in this example is $646.22, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
d	Assumes a 20% down payment on a loan amount of $100,000 and a minimum credit score of 740. The monthly payment in this example is $552.20, which could change if reserves are held for insurance and /or taxes. Other risk based pricing factors may also affect the payment and APR.
e	Assumes a 25% down payment on a loan amount of $100,000 and a minimum credit score of 740. The monthly payment in this example is $871.11, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
f	Assumes a 20% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $748.54, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
g	Assumes a 20% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $470.64, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
h	Assumes a 30% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $677.96, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
i	Assumes a 30% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $523.57, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
j	Assumes a 40% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $677.96, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
k	Assumes a 40% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $523.57, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.

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