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Competitive Loan Options


Lower Rates. Superior Service.

Don't settle for average when it comes to your home loan. See how other lenders' rates stack up to ours that are lower than market average.

Fixed-Rate Mortgage Loans

With a fixed-rate mortgage loan, the interest rate remains the same throughout the term of the loan. Depending on your needs, the term can range from 5 to 30 years. This payment stability makes budgeting finances easier and is a great option if you plan to stay in your home for a longer period of time.

  • Can be used for a home purchase or refinance
  • No-points and no-closing costs options1
  • Down payments as low as 3%
  • Jumbo loan amounts with down payments as low as 5%-10%
  • Competitive rates and fees
  • Conforming loan amounts
  • No pre-payment penalty



Adjustable-Rate Mortgage Loans

With our adjustable-rate mortgage loan (ARM), the interest rate is fixed for the first period of 5, 7, or 10 years, then adjusts up or down annually following the fixed period. An ARM offers a lower interest rate and payments for the first years of the mortgage, allowing an initial lower payment to increase your buying power. This is a great option to consider if you plan to move or refinance your mortgage within the first 10 years.

  • Conforming loan amounts with down payments as low as 0%
  • No-points and no-closing costs options1
  • Jumbo loan amounts with down payments as low as 3%-5%
  • Competitive rates and fees
  • No negative amortization
  • No pre-payment penalty

Make Confident Mortgage Decisions with a Total Cost Analysis

With our complimentary service, receive clear advice and simple side-by-side comparisons of your options, costs, and savings, all personalized to your unique needs. Ask us about analyses to determine your savings when you refinance, the cost of waiting so you don't miss the right opportunity at the right time, and the potential tax benefits2 when using your home loan for debt consolidation. Call us to get started.

Your Trusted Partner, with You Every Step of the Way

We know what goes into the loan process–there's a lot of paperwork and a lot of time. That's why when a day makes a difference, rely on a trusted partner who is local, experienced, and accessible to provide the guidance and peace of mind you need to obtain the home loan that meets your needs. Our Mortgage Loan Consultants will simplify the process and work with you, from start to finish. That's our promise.

1For no-closing-costs option; borrower pays no closing costs, except for recurring costs such as: property taxes, insurance, and loan interest.

2For information regarding specific tax qualifications, please consult a tax advisor.

This is not an offer for an extension of credit or a commitment to lend. All applications are subject to borrower and property underwriting approval. Not all applications will qualify.

Membership in Orange County's Credit Union is available to anyone who lives or works in Orange, Los Angeles, Riverside, or San Bernardino Counties. Don't live or work in our area? You may also qualify through your employer or if your immediate family Member banks with us. Ask for details. Membership fee is $5.