Used Vehicle

APR low
2.49%

New Vehicle

APR low
1.24%

Credit Card

APR low
7.49%

Home Equity

APR low
4.29%

Mortgage

APR low
2.625%

Certificate

APY up to
2.12%

Our Mortgage Loans

Fixed

Adjustable

What are the details?

  • Consistent rate and predictable mortgage payment that remains the same for the life of the loan
  • Low interest rates
  • No application fee
  • FREE 60-day rate lock
  • No prepayment penalty
  • Lifetime loan services by an SDFCU agent

What are the details?

  • Low down payment
  • Very low interest rate in the beginning that changes after a pre-determined number of years
  • Low interest rates
  • No application fee
  • No prepayment penalty
  • Lifetime loan services by an SDFCU agent

What are the rules?

  • Choose from 30, 20, 15, or 10-year terms on a fixed-rate mortgage loans
  • A variable lock option is available
  • Up to 95 percent Loan-to-Value (LTV)
  • The HMDA data about our residential mortgage lending are available for review The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at 703-706-5000 or 800-296-8882, or email mortgage@sdfcu.org regarding the locations where HMDA data may be inspected

What are the rules?

  • Choose from 3/1, 5/1, 7/1, and 10/1 terms on Adjustable Rate Mortgage (ARM) loans
  • Up to 95 percent Loan-to-Value (LTV)
  • Rate caps apply at each rate adjustment and on lifetime rate adjustments
  • A 5/5 Adjustable Rate Mortgage (ARM) is also available.
  • The HMDA data about our residential mortgage lending are available for review The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at 703-706-5000 or 800-296-8882, or email mortgage@sdfcu.org regarding the locations where HMDA data may be inspected
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1st Time Homebuyer Mortgage Option

As intimidating as it can be, buying your first home is a wonderful and exciting experience – especially if you educate yourself about the process beforehand. Owning a home that best fits your needs helps you establish credit, receive tax benefits, and build home equity. SDFCU will be with you every step of the way with great loan products created just for you.

1st Time Homebuyer Product

DISCLAIMER: The SDFCU 1st Time Homebuyer Mortgage consists of a first mortgage at up to 97% loan-to-value, and is available to homebuyers when at least one applicant is considered a first-time homebuyer (has not owned a home in the last three years). Minimum of 3% down payment is required. Available rates start at 4.00% APR (as of March 23, 2016) for 30-year fixed rate loans. Rates are subject to an applicant’s creditworthiness and may change on a daily basis. Private Mortgage Insurance (PMI) will apply to loans with higher than an 80% loan-to-value ratio.

Sample payment schedule based on a $15,000 down payment and a $285,000 30-year fixed rate loan at 4.00%:

Principal & Interest Monthly Payment

PMI Monthly Payment

Total Monthly Payment
(Principal, Interest, & PMI Only)

$1,360.63

$178.13

$1,538.76

The above sample payments do not include amounts for taxes or insurance premiums, if applicable. Therefore, actual payment obligations will be greater. PMI payment above is solely an estimate based on a 0.75% PMI rate. PMI rates will vary based on the amount of down payment, an applicant’s creditworthiness, geographical area, insurer, and other factors.

What are the details?

  • A low three percent down payment (97 percent Loan-to-Value)
  • A consistent and predictable fixed rate mortgage payment that remains the same for the life of the loan
  • Low interest rates
  • No application fee
  • FREE 60-day rate lock
  • No prepayment penalty
  • Lifetime loan services by an SDFCU agent
  • Available in all 50 states

What are the rules?

  • Term of 30-year fixed rate mortgage only
  • Eligible property types: Single Family Residences, Attached and Detached PUD’s Condominiums
  • Ineligible property types: Mobile homes, Co-ops
  • Minimum loan amount of $50,000
  • Maximum conforming loan limits apply
  • Private mortgage insurance required (PMI)
  • Primary residences only
  • Must not had an ownership interest in a property in the last three years
  • The HMDA data about our residential mortgage lending are available for review The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at 703-706-5000 or 800-296-8882, or email mortgage@sdfcu.org regarding the locations where HMDA data may be inspected
Apply Now

Additional Mortgage Options

5/5 Product

The SDFCU 5/5 Adjustable Rate Mortgage consists of a first mortgage at up to 95% loan-to-value. The initial annual percentage rate (APR) will not change for the first five years and can change by no more than 2 percentage points after the initial five year period. When the rate adjusts, your new rate will be the then current index plus margin. Each subsequent rate adjustment will be calculated in the same manner, will occur every 5 years, and cannot exceed 2 percentage points over the previous rate. The total rate adjustments can never exceed 5 percentage points above the initial rate. Minimum of 5% down payment is required. Available rates for the initial 5-year period start at 3.00% APR (as of March 23, 2016). Rates are subject to an applicant’s creditworthiness and may change on a daily basis.

Sample payment schedule based on a $60,000 down payment and a $240,000 loan with a 3.0% initial rate:

Maximum APR Possible

Total Monthly Payment
(Principal & Interest Only)

First 60 months

3.00%

$1,011.85

Months 61 - 120

5.00%

$1,247.37

Months 121 - 180

7.00%

$1,465.38

Months 181 - 360

8.00%

$1,558.02

The above sample payments do not include amounts for taxes or insurance premiums, if applicable. Therefore, actual payment obligations will be greater.

Super Conforming and Jumbo

What are the details?

  • A good loan option for the first-time home buyer
  • No application fee
  • Free 60-day rate lock
  • No prepayment penalty
  • Lifetime loan services by an SDFCU agent
  • No private mortgage insurance required

What are the details?

  • No application fee
  • No prepayment penalty
  • Lifetime loan services by an SDFCU agent
  • Covers loan amounts greater than $424,100

What are the rules?

  • Up to 95 percent Loan-to-Value (LTV)
  • The HMDA data about our residential mortgage lending are available for review The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at 703-706-5000 or 800-296-8882, or email mortgage@sdfcu.org regarding the locations where HMDA data may be inspected

What are the rules?

  • Up to 90 percent Loan-To-Value (LTV)
  • The HMDA data about our residential mortgage lending are available for review The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at 703-706-5000 or 800-296-8882, or email mortgage@sdfcu.org regarding the locations where HMDA data may be inspected
Apply Now
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Home financing while overseas

Second Homes/Vacation Homes

What are the details?

  • No application fee
  • No prepayment penalty
  • Lifetime loan services by an SDFCU agent

What are the details?

  • No application fee
  • No prepayment penalty
  • Lifetime loan services by an SDFCU agent

What are the rules?

  • Up to 95 percent Loan-to-Value (LTV)
  • The HMDA data about our residential mortgage lending are available for review The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at 703-706-5000 or 800-296-8882, or email mortgage@sdfcu.org regarding the locations where HMDA data may be inspected

What are the rules?

  • Choose from terms up to 30 years, fixed or Adjustable Rate Mortgages (ARMs)
  • Up to 85 percent Loan-to-Value (LTV)
  • The HMDA data about our residential mortgage lending are available for review The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at 703-706-5000 or 800-296-8882, or email mortgage@sdfcu.org regarding the locations where HMDA data may be inspected
Apply Now
Apply Now

Investment Properties

What are the details?

  • No application fee
  • No prepayment penalty
  • Lifetime loan services by an SDFCU agent

What are the rules?

  • Up to 75 percent Loan-to-Value (LTV)
  • Terms up to 15 years, fixed only
  • The HMDA data about our residential mortgage lending are available for review The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at 703-706-5000 or 800-296-8882, or email mortgage@sdfcu.org regarding the locations where HMDA data may be inspected
Apply Now

Why Choose Us?

realestate services

Superior real estate services

Search for your dream home, sell your home, find a Real Estate Agent and receive a Cash Rewards through our HOMEAdvantage Program.

  • Receive a valuable cash reward on your home sale or home purchase when an approved agent is used
  • Choose from pre-approved agents from nationally recognized brokers
  • In many states, access the MLS listings – the same database of home listings the real estate agents use
  • Approximate a home’s value or view recently sold homes
  • View demographics, school districts through location maps

 

Superior home buying services

When it comes to purchasing a home, we know you may have many questions. We have the services and resources to help you open the doors to the house of your dreams.

 

home buying services

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We are a credit union

As a credit union, we focus on helping members save and borrow and receive affordable financial services.

 

People when you need them

We know that you may have banking needs that require a human touch. We offer a variety of ways to connect with a member of our team.

 

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Security where it matters

Securing your financial well-being is what we do best. For years we have been providing our members with 24-hour account monitoring to protect against fraud and identity theft. Your accounts are always safe with us.

  • Monitor your accounts with Alerts
  • 24-hour account monitoring by a team of professionals
  • Industry leading online Security Center

 

Little to no fees

As a credit union, we don’t want to fee you. But, when we do, you will find our fees lower than any other financial institution in the industry.

 

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