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Compass Community CU Home

Formerly California State & Federal Employees’ Credit Union

Home Loan Rates

Rates as of 09/10/2018

First Mortgage — Owner Occupied

Term Max Loan-to-Value (LTV) Rate APR*
10 years 80% 4.00% 4.028%
15 years 80% 4.00% 4.021%
20 years 80% 4.25% 4.267%
30 years 80% 4.50% 4.514%
Max $453,100. Some additional restrictions apply to loans over $453,100.  Refinancing your current Compass Community Credit Union loan requires a minimum cash out of $20,000.

First Mortgage — Non-Owner Occupied

Term Max Loan-to-Value (LTV) Rate APR*
15 years 80% 4.50% 4.521%
20 years 80% 4.75% 4.769%
30 years 80% 5.00% 5.014%
A $750 origination fee is required, along with third party costs.

Closing costs? Zero. Uses? Unlimited. For a limited time, we are covering the appraisal fee and closing costs when you open a Home Equity Loan with us.**

**Appraisal fee and closing costs are waived with a minimum draw amount of $20,000. Loan or credit line must be open for a minimum of 3 years. Loan or credit line closed prior to 3 years of the open date is subject to reimbursement of all original waived fees and will be added to the payoff balance. Available only for owner-occupied. 

Home Equity Line of Credit — Owner Occupied

Term Max Loan-to-Value (LTV) APR* as low as
7-year draw period
22-year repayment
80% of appraised value
less balance of First Mortgage
4.50%

Home Equity Line of Credit — Non-Owner Occupied

Term Max Loan-to-Value (LTV) APR* as low as
7-year draw period
22-year repayment
80% of appraised value
less balance of First Mortgage
5.00%
Minimum line is $5,000, minimum advance is $500. Payments are amortized over 22 years with a minimum payment of $100.  Variable Rate: Variable-adjusts every January 1st and July 1st. Index is the 1 Year-Treasury Bill plus margin rounded up to the nearest quarter percent. Maximum change per change date is 1.00%.  Rate cap at 9.75% APR.

Home Equity Loan — Owner & Non-Owner Occupied

Term Max Loan-to-Value (LTV) Rates as low as
15-year 80% of appraised value
less balance of First Mortgage
6.500%
6.510% APR*

Mobile Home Loan

Max Term Amount APR* as low as
Up to 180 Months $5,000–$15,000 10.00%
Up to 180 Months $15,000 and greater 9.50%
All mobile homes must be located in a mobile home park and on a permanent foundation.  

*APR – Annual Percentage Rate.

Rates subject to change without notice. Maximum loan-to-value ratio is 80% based on appraised value. All rates apply to single family dwellings located in the state of California. Third party costs are associated with these loans. The APR is based on a loan amount of $200,000. Loan approval subject to credit, income and property appraisal. Rate is not locked until final loan approval and offers may be withdrawn at any time. All terms and conditions are subject to change without notice.

Home Loan Rates

Rates as of 09/10/2018

First Mortgage — Owner Occupied

Term Max Loan-to-Value (LTV) Rate APR*
10 years 80% 4.00% 4.028%
15 years 80% 4.00% 4.021%
20 years 80% 4.25% 4.267%
30 years 80% 4.50% 4.514%
Max $453,100. Some additional restrictions apply to loans over $453,100.  Refinancing your current Compass Community Credit Union loan requires a minimum cash out of $20,000.

First Mortgage — Non-Owner Occupied

Term Max Loan-to-Value (LTV) Rate APR*
15 years 80% 4.50% 4.521%
20 years 80% 4.75% 4.769%
30 years 80% 5.00% 5.014%
A $750 origination fee is required, along with third party costs.

Closing costs? Zero. Uses? Unlimited. For a limited time, we are covering the appraisal fee and closing costs when you open a Home Equity Loan with us.**

**Appraisal fee and closing costs are waived with a minimum draw amount of $20,000. Loan or credit line must be open for a minimum of 3 years. Loan or credit line closed prior to 3 years of the open date is subject to reimbursement of all original waived fees and will be added to the payoff balance. Available only for owner-occupied. 

Home Equity Line of Credit — Owner Occupied

Term Max Loan-to-Value (LTV) APR* as low as
7-year draw period
22-year repayment
80% of appraised value
less balance of First Mortgage
4.50%

Home Equity Line of Credit — Non-Owner Occupied

Term Max Loan-to-Value (LTV) APR* as low as
7-year draw period
22-year repayment
80% of appraised value
less balance of First Mortgage
5.00%
Minimum line is $5,000, minimum advance is $500. Payments are amortized over 22 years with a minimum payment of $100.  Variable Rate: Variable-adjusts every January 1st and July 1st. Index is the 1 Year-Treasury Bill plus margin rounded up to the nearest quarter percent. Maximum change per change date is 1.00%.  Rate cap at 9.75% APR.

Home Equity Loan — Owner & Non-Owner Occupied

Term Max Loan-to-Value (LTV) Rates as low as
15-year 80% of appraised value
less balance of First Mortgage
6.500%
6.510% APR*

Mobile Home Loan

Max Term Amount APR* as low as
Up to 180 Months $5,000–$15,000 10.00%
Up to 180 Months $15,000 and greater 9.50%
All mobile homes must be located in a mobile home park and on a permanent foundation.  

*APR – Annual Percentage Rate.

Rates subject to change without notice. Maximum loan-to-value ratio is 80% based on appraised value. All rates apply to single family dwellings located in the state of California. Third party costs are associated with these loans. The APR is based on a loan amount of $200,000. Loan approval subject to credit, income and property appraisal. Rate is not locked until final loan approval and offers may be withdrawn at any time. All terms and conditions are subject to change without notice.

Compass Community Credit Union

PO Box 1268
Eureka, CA 95502-1268

707-443-8662
800-440-8662

NMLS #423538

CSFECU Top 200

Federally Insured by NCUA

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 1-800-440-8662 for assistance.

Compass Community Credit Union

PO Box 1268
Eureka, CA 95502-1268

707-443-8662
800-440-8662

NMLS #423538

CSFECU Top 200

Federally Insured by NCUA

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 1-800-440-8662 for assistance.