We no longer have a Loan Origination fee on our internal mortgage loans!
The Credit Union has 30-year Conventional, VA, FHA, USDA, & other programs through our mortgage team at https://ourmortgageteam.org/ NMLS #645585. Keep in mind that our NAECU internal mortgage loan rates are all computed by simple interest, not the Rule of 78 that you see at many lenders.
RATES EFFECTIVE August 01, 2026
| Type of Mortgage | Duration | APR | Payment |
|---|---|---|---|
| Fixed Rate First Mortgage | 15 years | 5.35% | $8.00 per $1,000 borrowed |
| Fixed Rate First Mortgage | 20 years | 5.75% | $7.00 per $1,000 borrowed |
| Fixed Rate Land Loans | 15 years | 7.35% | $10.00 per $1,000 borrowed |
| Fixed Rate Land Loans | 20 years | 7.60% | $9.00 per $1,000 borrowed |
| Fixed Rate Easy Equity | 36 month | as low as 5.35% | $31.00 per $1,000 borrowed |
| Fixed Rate Easy Equity | 60 month | as low as 5.60% | $20.00 per $1,000 borrowed |
| Fixed Rate Easy Equity | 84 month | as low as 6.35% | $15.00 per $1,000 borrowed |
| Fixed Rate Easy Equity | 120 month | as low as 6.60% | $12.00 per $1,000 borrowed |
| Fixed Rate Easy Equity | 180 month | as low as 7.10% | $10.00 per $1,000 borrowed |
NMLS #634521