Fixed-Rate Mortgages
Lock in Your Rate for the Life of Your Loan
Workers fixed-rate mortgage is a great option for people looking to stay in their home for an extended period of time. Lock in a low interest rate for the length of the loan and your monthly payments will never change. Our expert mortgage team will help you step-by-step from getting pre-approved through closing.
7.615% APR1,* for 30 years
- Competitive fixed rates
- Term options up to 30 years
- Expert guidance
Estimate Your Fixed-Rate Mortgage Payment
Use our calculator to make sure your new payment will fit into your budget. Enter the price of your home, the size of your down payment, your term, and interest rate and we’ll tell you how much you’ll pay on interest and principle.
Calculate Your PaymentWelcome Home, the Workers Way
Let a Workers Wayᵀᴹ financial coach help you create a personalized step-by-step plan to open the door to homeownership.
Convenient Online Payments
Pay your loan anytime from your online banking account or through the mobile app.2
Homeowner's Insurance
Workers Insurance Agency provides customizable coverage with flexible payment options.3
Single-Family Fixed Mortgages
Apply Now| Term | Rate | Points |
APR* |
Payment per $1,000 |
|---|---|---|---|---|
| 30 Years | 7.250% | 1 | 7.467% |
$6.82 |
| 30 Years | 7.500% | 0 | 7.615% |
$6.99 |
| 20 Years | 6.875% | 1 | 7.151% | $7.68 |
| 20 Years | 7.125% | 0 | 7.272% | $7.83 |
| 15 Years | 6.875% | 1 | 7.219% | $8.92 |
| 15 Years | 7.125% | 0 | 7.307% | $9.06 |
| 10 Years | 6.625% | 1 | 7.104% | $11.42 |
| 10 Years | 6.875% | 0 | 7.128% | $11.55 |
1,*All Mortgages: APR=Annual Percentage Rate. Subject to credit underwriting and approval. Loan amount may vary based on credit approval. Visit our rates page for all available rates and terms. Rates effective as of 8/18/2021 and subject to change at any time. Offers may be withdrawn at any time. Programs, rates, terms and conditions, are subject to change at any time without notice. Workers Federal Credit Union membership required. Subject to membership eligibility.
- Fixed-Rate Single-Family Mortgages: All Annual Percentage Rates (APRs) are based on $100,000 loan to purchase a single-family primary residence at a 60% Loan-to-Value (LTV) and a credit score of 780 or greater unless otherwise noted. Conforming
Fixed Rate Loan Limits: 1 family $766,550; 2 family $981,500; 3 family $1,186,350; 4 family $1,474,400. The Annual Percentage Rate (APR) on a Fixed Rate Single Family Mortgage is as low as
7.112%
APR for 30 Years with 0 points. The monthly payment per $1,000 borrowed is $6.65. Down payment as low as 3%, speak with a mortgage originator to determine eligibility.
2Text, data, and messaging rates apply for downloading/utilizing the app and text alerts. Coverage varies by carrier.
3Products offered by Workers Insurance Agency and Affiliated Companies. Coverage is subject to eligibility and availability. Other terms, conditions, and exclusions may apply. Insurance products available through Workers Insurance Agency, an affiliate of Workers Credit Union are: NOT A DEPOSIT NOT NCUA-INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT GUARANTEED BY THE CREDIT UNION, OR AFFILIATES MAY LOSE VALUE.