Mortgage Rates

There's no place like home.

And there's no place like North Shore Federal for market-setting low interest rates. Plus, our streamlined process has most loans closing within 30 days.

Mortgage rates fluctuate daily so please speak to a lender for up to the minute rates and terms.
Posted rates effective 4/08/2020 and are for estimate purposes only and subject to change daily.

NSFCU Direct FHLB Mortgage Loans
Term Patronage Pricing APR* Est. Payment** Par Pricing APR* Est. Payment**
15 Year 2.75% $6.79 per $1,000 Financed 3.00% $6.91 per $1,000 Financed
20 Year 3.25% $5.67 per $1,000 Financed 3.50% $5.80 per $1,000 Financed
30 Year 3.25% $4.35 per $1,000 Financed 3.50% $4.49 per $1,000 Financed
NSFCU In House Mortgage Loans
Term APR* Est. Payment**
3 Year Adjustable Rate (ARM) 4.00% N/A
5 Year Adjustable Rate (ARM) 4.25% N/A
10 Year Fixed Rate 3.99% $10.12 per $1,000 Financed
Construction & Bare Land Loans
Term APR* Est. Payment**
Construction Only - 12 Month Maximum 5.49% $85.83 per $1,000 Financed
Construction to Permanent - with one closing    
12 Month Construction to 3 Year Adjustable Rate (ARM) 4.00% N/A
12 Month Construction to 5 Year Adjustable Rate (ARM) 4.25% N/A
12 Month Construction to 10 Year Fixed Rate 3.99% $9.37 per $1,000 Financed
Bare Land    
3 Year Adjustable Rate (ARM) 5.00% N/A
5 Year Adjustable Rate (ARM) 5.25% N/A

* Annual Percentage Rate
** Payment estimate does not include taxes and insurance.
Rates are based on a 30-day lock.
A 0.75% origination fee and a $275 compliance fee will be applied.
Patronage Pricing - Relationship Requirements Apply