Auto Loans1
1Annual Percentage Rate (APR) shown effective March 29, 2023 and may change without notice. “As low as” rate assumes excellent borrower credit history. Actual rates and APRs dependent upon credit history, type of product, loan term, loan to value (LTV), and vehicle model year. All loans are subject to credit approval. Additional discounts may apply.
Home Equity Line of Credit1
10-year draw period; 20-year repayment term
4.99%
10-year draw period; 20-year repayment term
8.25%
Mortgage loans are offered by Define Mortgage Solutions, LLC, NMLS #17612, a subsidiary of Desert Financial Credit Union. BK# 0949053.
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740
CONFORMING LOAN
15 Year Fixed Rate
Interest Rate
APR
Purchase Price
Down Payment
Loan Amount
Term
Monthly Payment
5.625%
5.901%
$450,000
28%
$337,500
15 years
$2,668.89
Rates valid on March 29, 2023. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740
CONFORMING LOAN
30 Year Fixed Rate
Interest Rate
APR
Purchase Price
Down Payment
Loan Amount
Term
Monthly Payment
6.25%
6.444%
$450,000
28%
$337,500
30 years
$1,994.92
Rates valid on March 29, 2023. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740
CONFORMING LOAN
5/6 ARM
Interest Rate
APR
Purchase Price
Down Payment
Loan Amount
Term
Monthly Payment
5.50%
6.924%
$450,000
28%
$337,500
5 year ARM
$1,839.64
Rates valid on March 29, 2023. The interest rate will be based on the 30-Day Average of the SOFR index as published by the Federal Reserve Bank of New York.
Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740
CONFORMING LOAN
7/6 ARM
Interest Rate
APR
Purchase Price
Down Payment
Loan Amount
Term
Monthly Payment
5.625%
6.760%
$450,000
28%
$337,500
7 year ARM
$1,865.13
Rates valid on March 29, 2023. The interest rate will be based on the 30-Day Average of the SOFR index as published by the Federal Reserve Bank of New York.
Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 660
CONFORMING LOAN
FHA 30 Year Fixed
Interest Rate
APR
Purchase Price
Down Payment
Loan Amount
Term
Monthly Payment
5.875%
6.042%
$326,000
3.5%
$314,590
FHA 30 Year Fixed
$1,860.92
Rates valid on March 29, 2023. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740
NON-CONFORMING LOAN
Jumbo 15 Year Fixed Rate
Interest Rate
APR
Purchase Price
Down Payment
Loan Amount
Term
Monthly Payment
5.625%
5.853%
$1,100,000
28%
$795,000
15 years
$6,523.96
Rates valid on March 29, 2023. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740
NON-CONFORMING LOAN
Jumbo 30 Year Fixed Rate
Interest Rate
APR
Purchase Price
Down Payment
Loan Amount
Term
Monthly Payment
6.00%
6.126%
$1,100,000
28%
$795,000
30 years
$4,748.44
Rates valid on March 29, 2023. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740
NON-CONFORMING LOAN
Jumbo 5/6 ARM
Interest Rate
APR
Purchase Price
Down Payment
Loan Amount
Term
Monthly Payment
5.50%
6.859%
$1,100,000
28%
$795,000
5 year ARM
$4,496.89
Rates valid on March 29, 2023. The interest rate will be based on the 30-Day Average of the SOFR index as published by the Federal Reserve Bank of New York.
Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.
Purchase Rate Assumptions and APR Information
Today's purchase rates are based on the purchase of a single-family, primary residence, a credit score of 740
NON-CONFORMING LOAN
Jumbo 7/6 ARM
Interest Rate
APR
Purchase Price
Down Payment
Loan Amount
Term
Monthly Payment
5.625%
6.696%
$1,100,000
28%
$795,000
7 year ARM
$4,559.20
Rates valid on March 29, 2023. The interest rate will be based on the 30-Day Average of the SOFR index as published by the Federal Reserve Bank of New York.
Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.
Refinance Rate Assumptions and APR Information
Today's refinance rates are based on a no cash out refinance of a single-family, primary residence, a credit score of 740
CONFORMING LOAN
15 Year Fixed Rate
Interest Rate
APR
Estimated Value
Equity
Loan Amount
Term
Monthly Payment
5.875%
6.113%
$450,000
28%
$337,500
15 years
$2,712.26
Rates valid on March 29, 2023. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.
Refinance Rate Assumptions and APR Information
Today's refinance rates are based on a no cash out refinance of a single-family, primary residence, a credit score of 740
CONFORMING LOAN
30 Year Fixed Rate
Interest Rate
APR
Estimated Value
Equity
Loan Amount
Term
Monthly Payment
6.375%
6.595%
$450,000
28%
$337,500
30 years
$2,021.34
Rates valid on March 29, 2023. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.
Refinance Rate Assumptions and APR Information
Today's refinance rates are based on a no cash out refinance of a single-family, primary residence, a credit score of 740
CONFORMING LOAN
5/6 ARM
Interest Rate
APR
Estimated Value
Equity
Loan Amount
Term
Monthly Payment
5.625%
6.999%
$450,000
28%
$337,500
5 year ARM
$1,865.13
Rates valid on March 29, 2023. The interest rate will be based on the 30-Day Average of the SOFR index as published by the Federal Reserve Bank of New York.
Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.
Refinance Rate Assumptions and APR Information
Today's refinance rates are based on a no cash out refinance of a single-family, primary residence, a credit score of 740
CONFORMING LOAN
7/6 ARM
Interest Rate
APR
Estimated Value
Equity
Loan Amount
Term
Monthly Payment
5.75%
6.848%
$450,000
28%
$337,500
7 year ARM
$1,890.78
Rates valid on March 29, 2023. The interest rate will be based on the 30-Day Average of the SOFR index as published by the Federal Reserve Bank of New York.
Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.
Refinance Rate Assumptions and APR Information
Today's refinance rates are based on a no cash out refinance of a single-family, primary residence, a credit score of 660
CONFORMING LOAN
FHA 30 Year Fixed
Interest Rate
APR
Estimated Value
Equity
Loan Amount
Term
Monthly Payment
5.875%
6.042%
$326,000
3.5%
$314,590
FHA 30 Year Fixed
$1,860.92
Rates valid on March 29, 2023. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.
Refinance Rate Assumptions and APR Information
Today's refinance rates are based on a no cash out refinance of a single-family, primary residence, a credit score of 740
NON-CONFORMING LOAN
Jumbo 15 Year Fixed Rate
Interest Rate
APR
Estimated Value
Equity
Loan Amount
Term
Monthly Payment
5.75%
5.979%
$1,100,000
28%
$795,000
15 years
$6,576.85
Rates valid on March 29, 2023. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.
Refinance Rate Assumptions and APR Information
Today's refinance rates are based on a no cash out refinance of a single-family, primary residence, a credit score of 740
NON-CONFORMING LOAN
Jumbo 30 Year Fixed Rate
Interest Rate
APR
Estimated Value
Equity
Loan Amount
Term
Monthly Payment
6.125%
6.252%
$1,100,000
28%
$795,000
30 years
$4,812.28
Rates valid on March 29, 2023. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.
Refinance Rate Assumptions and APR Information
Today's refinance rates are based on a no cash out refinance of a single-family, primary residence, a credit score of 740
NON-CONFORMING LOAN
Jumbo 5/6 ARM
Interest Rate
APR
Estimated Value
Equity
Loan Amount
Term
Monthly Payment
5.625%
6.898%
$1,100,000
28%
$795,000
5 year ARM
$4,559.20
Rates valid on March 29, 2023. The interest rate will be based on the 30-Day Average of the SOFR index as published by the Federal Reserve Bank of New York.
Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.
Refinance Rate Assumptions and APR Information
Today's refinance rates are based on a no cash out refinance of a single-family, primary residence, a credit score of 740
NON-CONFORMING LOAN
Jumbo 7/6 ARM
Interest Rate
APR
Estimated Value
Equity
Loan Amount
Term
Monthly Payment
5.75%
6.747%
$1,100,000
28%
$795,000
7 year ARM
$4,621.90
Rates valid on March 29, 2023. The interest rate will be based on the 30-Day Average of the SOFR index as published by the Federal Reserve Bank of New York.
Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% down payment, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available.
Open menu for important rate and payment information.
1APR = Annual Percentage Rate. Promotional APR applies only to new HELOCs with a minimum loan amount of $10,000 and a maximum loan-to-value (LTV) of 80%. $50 annual fee applies; waived for Rewards+ members. See Statements of Terms, Conditions, and Disclosures for full Relationship Rewards details. Promotional APR is fixed for initial 12 months of the term. On the first calendar day of the 13th month following loan closing date, APR will convert to the variable rate plan as described in the applicable loan documents. Subsequent APR may vary based on the index rate, plus a margin. Index rate is based on the Prime Rate as published in the Wall Street Journal. On March 28, 2023, that index was 8.00%; resulting APR with a 0.25% margin is 8.25%. APR will never exceed 18.00%. "As low as" rate assumes excellent borrower credit history, loan amount of $75,000 or more, and 60% or less Loan-to-Value. Alternative rates and terms are available. Actual rates and APRs dependent on credit history, type of product, loan term and loan-to-value (LTV), occupancy and type of collateral. This line has a 10-year draw period. Minimum monthly payment will be principal, and interest amortized over a 30-year repayment term. Fixed Rate Option: Must convert a minimum balance of $10,000 to Fixed Rate Option and may not exceed the credit limit. Loan term cannot exceed loan maturity date. Maximum of three Fixed Rate Options may be open at one time. Rates for the Fixed Rate Option are typically higher than HELOC variable rates. Minimum payment on a Fixed Rate Option includes principal and interest in fixed monthly payments. Property insurance required. Interest may be tax deductible. Consult your tax professional regarding deductibility.
NMLS ID #509455
2Rates valid on March 29, 2023. Chart data is for illustrative purposes only, is based upon state loan assumptions and is subject to change without notice. Accuracy is not guaranteed and products may not be available for your situation. This is not a credit decision or a commitment to lend. Estimated monthly payment does not include taxes and insurance which will result in a higher monthly payment. For borrowers with less than 20% equity, mortgage insurance may be needed which could increase the monthly payment and APR. Additional loan programs are available. Mortgage loans are offered by Define Mortgage Solutions, LLC, NMLS #1761612, a subsidiary of Desert Financial Credit Union. BK# 0949053
Recreational Loans1
1Annual Percentage Rate (APR) shown effective March 29, 2023 and may change without notice. “As low as” rate assumes excellent borrower credit history. Actual rates and APRs dependent upon credit history, type of product, loan term, and model year. All loans are subject to credit approval. Additional discounts may apply.
2Annual Percentage Rate (APR) shown effective March 29, 2023 and may change without notice. “As low as” APR shown assumes excellent borrower credit history at the time of application. Actual rates and APRs dependent upon credit history, type of product, and loan term. All loans subject to credit approval.
3Annual Percentage Rate (APR) shown effective March 29, 2023 and may change without notice. “As low as” APR shown assumes excellent borrower credit history at the time of application. Additional discounts may apply. Actual rates and APRs dependent upon credit history, type of product, and loan term. All loans subject to credit approval. APR may vary after the account is opened.
Savings Accounts1
1Annual Percentage Yield (APY) is accurate as of March 29, 2023. Rates may change at any time without prior notice, before or after the account is opened. Fees could reduce earnings on the account. Dividends are paid on the entire balance once the tier minimum is met. For complete terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures booklet.
Money Market1
1Annual Percentage Yield (APY) is accurate as of March 29, 2023. Rates may change at any time without prior notice, before or after the account is opened. Fees could reduce earnings on the account. Dividends are paid on the entire balance once the tier minimum is met. For complete terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures booklet.
Savings & IRA Certificates1
Jumbo Savings Certificates1
College Savings Certificate1
1Annual Percentage Yield (APY) is accurate as of March 29, 2023. Dividends are credited and compounded monthly on the last day of the month. Early withdrawal penalties apply. For complete terms and conditions, refer to the Statements of Terms, Conditions and Disclosures. Minimum opening account balance for jumbo certificates: $100,000. Minimum opening account balance for all other certificates: $1,000.
