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LOAN PROGRAMS AND RATES

Below are some of the loan programs we offer, please contact for other options. These programs are unique to Christian Community Credit Union. To learn more about these programs and many others, call us at (800) 347-2228 Ext. 551.

Points may be assessed based on credit score, and other loan factors, please call for a more accurate quote.
***The online rate calculator defaults to Fannie Mae/Freddie Mac Conforming Loan Limit of $766,550.  If your loan amount exceeds $766,550, please contact us for a more accurate rate.

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NEW PURCHASE PROGRAM RATE APR
30-Year Fixed (Conforming) 6.750% 6.827%
20-Year Fixed (Conforming) 6.375% 6.474%
15-Year Fixed (Conforming) 6.000% 6.123%
10-Year Fixed (Conforming) 6.000% 6.174%
5/6 ARM (Conforming) 5.875% 5.948%
7/6 ARM (Conforming) 6.000% 6.073%
10/6 ARM (Conforming) 6.375% 6.450%
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REFINANCE PROGRAM RATE APR
30-Year Fixed (Conforming) 6.875% 6.952%
20-Year Fixed (Conforming) 6.625% 6.725%
15-Year Fixed (Conforming) 6.125% 6.248%
10-Year Fixed (Conforming) 6.250% 6.425%
5/6 ARM (Conforming) 6.250% 6.325%
7/6 ARM (Conforming) 6.625% 6.701%
10/6 ARM (Conforming) 6.750% 6.827%
*HELOC as low as 8.25% 8.25%
*Fixed 2nd Mortgage as low as 7.00% tbd%
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* = Special Program

HELOC as low as 8.25% assumes minimum credit score of 740 and existing first mortgage with CCCU, otherwise as low as 9.00% Fixed 2nd as low as 7% assumes CLTV under 80% 

Rates are subject to change without notice. Rates last updated 11/19/2024

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NMLS Loan Originator ID: 504297     |     FAIR LENDER     |     FAIR HOUSING

American Share Insurance:
Each account is insured up to $250,000. By members' choice, this institution is not federally insured.

* For Home Equity Line of Credit (HELOC): APR=Annual percentage rate. Rate and terms effective 09/30/2024 and are subject to change without notice.

This is an open-end line of credit secured by the equity in your home. 8.25% APR reflects the 1/4% discount if your mortgage/1st Trust Deed is with Christian Community Credit Union. The rate is variable and is based on The Wall Street Journal Prime Rate plus a margin that is based on your credit score and the ratio of your mortgage loan balance to your home value, known as your loan-to-value (LTV). The rate is adjustable monthly with rates as low as 3.25% APR and a maximum of 18.00% APR. Estimated appraisal fee is $475. Not available in Texas. Current property insurance is required. Transfer tax may be applicable in certain states and is the borrower’s responsibility to pay at closing.

A $25 one-time membership fee applies if you do not have a deposit account when you become a member of Christian Community Credit Union by applying for a loan. Fee will be waived if you open a deposit account within 30 days of loan approval. Visit  myCCCU.com/deposit-account.

New purchase money maximum loan-to-value (LTV) ratio is 97%. Private Mortgage Insurance (PMI) is required on loans over 80% LTV. For refinance loans with cash out, the maximum loan-to-value ratio is 90% (PMI required) based on appraised value.

Christian Community Credit Union

255 N. Lone Hill Avenue, San Dimas, CA 91773

800.347.CCCU (2228)   |   realestateapp@mycccu.com

NMLS Loan Originator ID: 504297     |     FAIR LENDER     |     FAIR HOUSING

American Share Insurance:
Each account is insured up to $250,000. By members' choice, this institution is not federally insured.

* For Home Equity Line of Credit (HELOC): APR=Annual percentage rate. Rate and terms effective 09/30/2024 and are subject to change without notice.

This is an open-end line of credit secured by the equity in your home. 8.25% APR reflects the 1/4% discount if your mortgage/1st Trust Deed is with Christian Community Credit Union. The rate is variable and is based on The Wall Street Journal Prime Rate plus a margin that is based on your credit score and the ratio of your mortgage loan balance to your home value, known as your loan-to-value (LTV). The rate is adjustable monthly with rates as low as 3.25% APR and a maximum of 18.00% APR. Estimated appraisal fee is $475. Not available in Texas. Current property insurance is required. Transfer tax may be applicable in certain states and is the borrower’s responsibility to pay at closing.

A $25 one-time membership fee applies if you do not have a deposit account when you become a member of Christian Community Credit Union by applying for a loan. Fee will be waived if you open a deposit account within 30 days of loan approval. Visit  myCCCU.com/deposit-account.

New purchase money maximum loan-to-value (LTV) ratio is 97%. Private Mortgage Insurance (PMI) is required on loans over 80% LTV. For refinance loans with cash out, the maximum loan-to-value ratio is 90% (PMI required) based on appraised value.