Mortgage Loan Rates

Mortgage Loans

15-Year Fixed Rate Mortgage

Description	Category	Max LTV / Rate / APR**
1st Mortgage Only	A+ Rated Credit	<=90% / 5.75% / 6.01%
1st Mortgage Only	A+ Rated Credit	≤80% / 5.65% / 5.91%
1st Mortgage Only	A Rated Credit	<=90% / 5.95% / 6.21%
1st Mortgage Only	A Rated Credit	≤80% / 5.75% / 6.01%
1st Mortgage Only	B Rated Credit	≤80% / 6.50% / 6.77%
1st Mortgage Only	C Rated Credit	≤75% / 6.95% / 7.22%
Primary Dwelling or Second Home 1% Origination Fee, Actual Closing Costs; Survey and Appraisal Fee May Apply Survey if Applicable Minimum APR of 5.75% on a 15-year fixed-rate mortgage with a maximum loan-to-value of 90%. Example payment on a $100,000 value home and loan of $90,000, 15-year fixed-rate mortgage at 5.75% rate is $747.65/month. Payments quoted do not include taxes and insurance, which are the borrower's responsibility. Including taxes and insurance will increase the actual payment obligation. 15-Year Fixed Rate Mortgage rates are based on individual creditworthiness. RATES SHOWN ARE EFFECTIVE 11/14/2024, ACCURATE AS OF 04/08/2025, AND SUBJECT TO CHANGE WITHOUT NOTICE. THIS INFORMATION MAY HAVE CHANGED AFTER THAT DATE. To find out what may have changed, call us at 1-800-237-9789 or (256) 378-5559 Option 5, or write us at Coosa Pines Federal Credit Union, 33710 US Hwy 280, Childersburg, Alabama 35044. Restrictions apply.

7-Year No Fee Mortgage

Description	Category	Max LTV / Rate
1st Mortgage	A+ Rated Credit	90% / 6.95%
1st Mortgage	A Rated Credit	85% / 7.25%
1st Mortgage	B Rated Credit	80% / 7.40%
1st Mortgage	C Rated Credit	70% / 7.50%
Primary Dwelling Only Fixed Rate Minimum Amount: $10,000 Maximum Amount: $50,000 Maximum Term: 7 years No Origination Fee or Closing Costs Current Year's Tax Assessment May Be Used in Place of Appraisal 7-Year No Fee Mortgage rates are based on individual creditworthiness. RATES SHOWN ARE EFFECTIVE 11/14/2024, ACCURATE AS OF 04/08/2025, AND SUBJECT TO CHANGE WITHOUT NOTICE. THIS INFORMATION MAY HAVE CHANGED AFTER THAT DATE. To find out what may have changed, call us at 1-800-237-9789 or (256) 378-5559 Option 5, or write us at Coosa Pines Federal Credit Union, 33710 US Hwy 280, Childersburg, Alabama 35044. Restrictions apply. If 7-Year No Fee is paid in full in less than twelve (12) months from the date booked, the borrower will be held responsible for actual loan costs. In certain situations, an appraisal may be required and the appraisal fee will apply. Minimum APR of 6.95% on a 7-year no-fee, fixed-rate mortgage with a maximum loan-to-value of 90% and a maximum loan amount of $50,000. Example payment on a $56,000 value home and loan of $50,000, 7-year fixed-rate FIRST mortgage at 6.95% rate is $753.64/month. Payments quoted do not include taxes and insurance, which are the borrower's responsibility. Including taxes and insurance will increase the actual payment obligation.
2nd Mortgage	A+ Rated Credit	90% / 7.95%
2nd Mortgage	A Rated Credit	85% / 8.25%
2nd Mortgage	B Rated Credit	80% / 8.40%
2nd Mortgage	C Rated Credit	70% / 8.50%
Primary Dwelling Only Fixed Rate Minimum Amount: $10,000 Maximum Amount: $50,000 Maximum Term: 7 years No Origination Fee or Closing Costs Current Year's Tax Assessment May Be Used in Place of Appraisal 7-Year No Fee Mortgage rates are based on individual creditworthiness. RATES SHOWN ARE EFFECTIVE 11/14/2024, ACCURATE AS OF 04/08/2025, AND SUBJECT TO CHANGE WITHOUT NOTICE. THIS INFORMATION MAY HAVE CHANGED AFTER THAT DATE. To find out what may have changed, call us at 1-800-237-9789 or (256) 378-5559 Option 5, or write us at Coosa Pines Federal Credit Union, 33710 US Hwy 280, Childersburg, Alabama 35044. Restrictions apply. If 7-Year No Fee is paid in full in less than twelve (12) months from the date booked, the borrower will be held responsible for actual loan costs. In certain situations, an appraisal may be required and the appraisal fee will apply. Minimum APR of 7.95% on a 7-year no-fee, fixed-rate mortgage with a maximum loan-to-value of 90% and a maximum loan amount of $50,000. Example payment on a $56,000 value home and loan of $50,000, 7-year fixed-rate SECOND mortgage at 7.95% rate is $778.33/month. Payments quoted do not include taxes and insurance, which are the borrower's responsibility. Including taxes and insurance will increase the actual payment obligation.

Prime Plus Mini-Home Equity Line of Credit

Description	Category	Max LTV / Rate
1st or 2nd Mortgage	A+ Rated Credit	90% / 6.50%
1st or 2nd Mortgage	A Rated Credit	90% / 6.50%
1st or 2nd Mortgage	B Rated Credit	85% / 9.50%
1st or 2nd Mortgage	C Rated Credit	80% / 12.50%
Primary Dwelling Only Adjustable Rate May Change Monthly Based on the Current Prime Lending Rate as Published in the WSJ 2% Max Annual Adjustment; 6% Lifetime CAP Payments Based On 1.5% of Outstanding Balance Interest-Only Payments Available for A and A+ Tiers Minimum Loan Amount $10,000 Maximum Loan Amount $50,000 Minimum Initial Draw $10,000 Current Year's Tax Assessment May Be Used in Place of Appraisal No Origination Fee or Closing Costs In certain situations, an appraisal may be required and fee will apply. PrimePlus Home Equity Line of Credit (HELOC) Mortgage rates are based on individual creditworthiness and Prime Lending Rate as published in the Wall Street Journal (WSJ). ARM loans are variable rate loans; interest rates and payments may increase after consummation. The maximum applicable rate on any Coosa Pines FCU mortgage loan is 18% APR (Annual Percentage Rate). RATES SHOWN ARE EFFECTIVE 11/14/2024, ACCURATE AS OF 04/08/2025, AND SUBJECT TO CHANGE WITHOUT NOTICE. THIS INFORMATION MAY HAVE CHANGED AFTER THAT DATE. To find out what may have changed, call us at 1-800-237-9789 or (256) 378-5559 Option 5, or write us at Coosa Pines Federal Credit Union, 33710 US Hwy 280, Childersburg, Alabama 35044. Restrictions apply. If PrimePlus Mini-HELOC balance remains most of $10,000 draw for first twelve (12) months from the date booked, the borrower will not be held responsible for actual loan costs.

Prime Plus Home Equity Line of Credit (HELOC)

Description	Category	Max LTV / Rate
1st or 2nd Mortgage	A+ Rated Credit	90% / 6.50%
1st or 2nd Mortgage	A Rated Credit	90% / 6.50%
1st or 2nd Mortgage	B Rated Credit	85% / 9.50%
1st or 2nd Mortgage	C Rated Credit	80% / 12.50%
Primary Dwelling Only Adjustable Rate May Change Monthly Based on the Current Prime Lending Rate as Published in the WSJ 2% Max Annual Adjustment; 6% Lifetime CAP Payments Based on 1.5% of the Outstanding Balance Interest-Only Payments Available for A and A+ Tiers Loan Amount $10,000 and up Minimum Initial Draw $3,000 1% Origination Fee, Actual Closing Costs, and Appraisal Fee May Apply PrimePlus Home Equity Line of Credit (HELOC) Mortgage rates are based on individual creditworthiness and Prime Lending Rate as published in the Wall Street Journal (WSJ). ARM loans are variable rate loans; interest rates and payments may increase after consummation. The maximum applicable rate on any Coosa Pines FCU mortgage loan is 18% APR (Annual Percentage Rate). RATES SHOWN ARE EFFECTIVE 11/14/2024, ACCURATE AS OF 04/08/2025, AND SUBJECT TO CHANGE WITHOUT NOTICE. THIS INFORMATION MAY HAVE CHANGED AFTER THAT DATE. To find out what may have changed, call us at 1-800-237-9789 or (256) 378-5559 Option 5, or write us at Coosa Pines Federal Credit Union, 33710 US Hwy 280, Childersburg, Alabama 35044. Restrictions apply.

5/15 ARM (Adjustable Rate Mortgage)

Description	Category	Max LTV / Rate / APR**
1st Mortgage	A+ Rated Credit	90% / 5.65% / 6.70%
1st Mortgage	A+ Rated Credit	<=80% / 5.50% / 6.64%
1st Mortgage	A Rated Credit	90% / 5.95% / 6.82%
1st Mortgage	A Rated Credit	<=80% / 5.65% / 6.70%
1st Mortgage	B Rated Credit	80% / 6.25% / 6.94%
1st Mortgage	C Rated Credit	70% / 6.65% / 7.10%
Primary Dwelling or Second Home Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date 2% Max Annual Adjustment; 6% Lifetime CAP 1% Origination Fee, Actual Closing Costs, and Appraisal Fee May Apply Survey if Applicable 5/15 ARM (Adjustable Rate) Mortgage rates are based on individual creditworthiness. ARM loans are variable rate loans; interest rates and payments may increase after consummation. The maximum applicable rate on any Coosa Pines FCU mortgage loan is 18% APR (Annual Percentage Rate). RATES SHOWN ARE EFFECTIVE 11/14/2024, ACCURATE AS OF 04/08/2025, AND SUBJECT TO CHANGE WITHOUT NOTICE. THIS INFORMATION MAY HAVE CHANGED AFTER THAT DATE. To find out what may have changed, call us at 1-800-237-9789 or (256) 378-5559 Option 5, or write us at Coosa Pines Federal Credit Union, 33710 US Hwy 280, Childersburg, Alabama 35044. Restrictions apply.
2nd Mortgage	A+ Rated Credit	90% / 6.70% / 7.38%
2nd Mortgage	A Rated Credit	90% / 6.80% / 7.44%
2nd Mortgage	B Rated Credit	80% / 7.45% / 7.84%
2nd Mortgage	C Rated Credit	70% / 7.75% / 8.03%
Primary Dwelling Only Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date 2% Max Annual Adjustment; 6% Lifetime CAP 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply Call for current mortgage rates with higher LTV (loan-to-value ratio) than those shown. 5/15 ARM (Adjustable Rate) Mortgage rates are based on individual creditworthiness. ARM loans are variable rate loans; interest rates and payments may increase after consummation. The maximum applicable rate on any Coosa Pines FCU mortgage loan is 18% APR (Annual Percentage Rate). RATES SHOWN ARE EFFECTIVE 11/14/2024, ACCURATE AS OF 04/08/2025, AND SUBJECT TO CHANGE WITHOUT NOTICE. THIS INFORMATION MAY HAVE CHANGED AFTER THAT DATE. To find out what may have changed, call us at 1-800-237-9789 or (256) 378-5559 Option 5, or write us at Coosa Pines Federal Credit Union, 33710 US Hwy 280, Childersburg, Alabama 35044. Restrictions apply.

5/30 ARM (Adjustable Rate Mortgage)

Description	Category	LTV / Rate / APR*
1st Mortgage Only	A+ Rated Credit	90% / 5.65% / 6.70%
1st Mortgage Only	A+ Rated Credit	<=80% / 5.50% / 6.64%
1st Mortgage Only	A Rated Credit	90% / 5.95% / 6.82%
1st Mortgage Only	A Rated Credit	<=80% / 5.65% / 6.70%
1st Mortgage Only	B Rated Credit	80% / 6.25% / 6.94%
1st Mortgage Only	C Rated Credit	70% / 6.65% / 7.10%
Primary Dwelling Only Rate Fixed for First Five Years, Adjusts Annually Beginning On 5th Anniversary Date 2% Max Annual Adjustment; 6% Lifetime CAP 1% Origination Fee, Closing Costs, and Appraisal Fee May Apply Survey if Applicable 5/30 ARM (Adjustable Rate) Mortgage rates are based on individual creditworthiness. ARM loans are variable rate loans; interest rates and payments may increase after consummation. The maximum applicable rate on any Coosa Pines FCU mortgage loan is 18% APR (Annual Percentage Rate). RATES SHOWN ARE EFFECTIVE 11/14/2024, ACCURATE AS OF 04/08/2025, AND SUBJECT TO CHANGE WITHOUT NOTICE. THIS INFORMATION MAY HAVE CHANGED AFTER THAT DATE. To find out what may have changed, call us at 1-800-237-9789 or (256) 378-5559 Option 5, or write us at Coosa Pines Federal Credit Union, 33710 US Hwy 280, Childersburg, Alabama 35044. Restrictions apply.

Land Only (Improved/Unimproved Property)

Description	Category	Rate / APR*
Fixed Rate Loan	A+ Rated Credit	8.25% / 8.59%
Fixed Rate Loan	A Rated Credit	8.75% / 9.09%
Fixed Rate Loan	B Rated Credit	9.25% / 9.60%
Fixed Rate Loan	C Rated Credit	9.40% / 9.75% Unimproved 9.95% / 10.30% Improved
Maximum Term of Twelve (12) Years 1% Origination Fee, Closing Costs, Survey, and Appraisal Fee May Apply Limits to Acreage Apply; Ask Mortgage Loan Officer for Details Land Only or Unimproved/ Improved Property Mortgage rates are based on individual creditworthiness. The maximum Loan to Value (LTV) on Unimproved Property is 65% of the appraised value or purchase price, whichever is less. Minimum APR of 8.25% on a 12-year fixed-rate unimproved property/land loan with a maximum loan-to-value of 65%. Example payment on $100,000 value land and loan of $65,000, 12-year fixed-rate mortgage at 8.25% rate is $712.87. The maximum Loan to Value (LTV) on Improved Property is 90% of the appraised value or purchase price, whichever is less. Minimum APR of 8.25% on a 12-year fixed-rate improved property/land loan with a maximum loan-to-value of 90%. Example payment on $100,000 value land and loan of $90,000, 12-year fixed rate mortgage at 8.25% rate is $987.05. Payments quoted do not include taxes and insurance, which are the borrower's responsibility. Including taxes and insurance will increase the actual payment obligation. RATES SHOWN ARE EFFECTIVE 11/14/2024, ACCURATE AS OF 04/08/2025, AND SUBJECT TO CHANGE WITHOUT NOTICE. THIS INFORMATION MAY HAVE CHANGED AFTER THAT DATE. To find out what may have changed, call us at 1-800-237-9789 or (256) 378-5559 Option 5, or write us at Coosa Pines Federal Credit Union, 33710 US Hwy 280, Childersburg, Alabama 35044. Restrictions apply. The maximum Loan to Value (LTV) on Unimproved Property is 65% of the appraised value or purchase price, whichever is less. The maximum Loan to Value (LTV) on Improved Property is 90% of the appraised value or purchase price, whichever is less.
Construction Loan
Primary Dwelling, 1st Mortgage Only No PMI at up to 90% LTV for A+, up to 80% LTV for A Credit Closing Costs Apply Call a Loan Officer for More Details. Restrictions Apply. *RadioAlabama’s MIX 106.5 & KiX 100.3 Promotions hosted awards for the 2024 Best of the Coosa Valley (Hwy 280 Corridor). Top nominees advanced to the voting round, where approximately 100,000 votes were cast. (RadioAlabama.net)

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