DUCA Credit Union Mortgage Rates
DUCA Credit Union Fixed-Rate Mortgages
DUCA Credit Union Fixed Rate Mortgages reduce the risk of future interest rate fluctuations by “locking in” a specific interest rate for the term. This can create peace of mind for homeowners, which makes it a fundamentally appealing program for home buyers. If you are arranging a new mortgage for a future or current home, your fixed interest rate can be guaranteed up to 120 days before the closing date of your home. If interest rates go up during that time, you will be guaranteed the lower rate.
| Term | Rate | Monthly Payment |
|---|---|---|
| CLICK FOR A FREE CONSULTATION | ||
 1-Year Fixed | 5.85% | $2,541 inquire |
| 2-Year Fixed | 3.69% | $2,043 inquire |
| 3-Year Fixed | 3.74% | $2,054 inquire |
| 4-Year Fixed | 3.84% | $2,076 inquire |
| 5-Year Fixed | 2.74% | $1,843 inquire |
| 6-Year Fixed | 4.89% | $2,313 inquire |
| 7-Year Fixed | 5.09% | $2,359 inquire |
The rates shown are for insured mortgages with a downpayment of less than 20%. You may get a different rate if you have a low credit score or a conventional mortgage.
Latest Mortgage Rates
| 5-Year Fixed: 1.39% | get this rate |
| 5-Year Variable: 1.50% | get this rate |
DUCA Credit Union Variable-Rate Mortgages
DUCA Credit Union Variable Rate Mortgages provides you with fixed payments over the term; however, the interest rate will fluctuate with any changes in the prime interest rate. If their prime rate goes down, more of your payment will go towards paying off your principal; if our prime rate goes up, more of your payment will go towards interest costs. As a result, this can be a great financial tool for those expecting rates to fall in the upcoming year. A convertible mortgage allows you to convert to another term at any time. This feature provides security and flexibility, as it enables you to convert to a longer closed term should your variable rate mortgage no longer meet your needs.
| Term | Rate | Monthly Payment |
|---|---|---|
| CLICK FOR A FREE CONSULTATION | ||
| 3-Year Variable | 3.55% | $2,013 inquire |
| 5-Year Variable | 3.25% | $1,949 inquire |
The rates shown are for insured mortgages with a downpayment of less than 20%. You may get a different rate if you have a low credit score or a conventional mortgage.
DUCA Mortgage Break Penalty
| Bank or Lender | Variable Rate Mortgage | Fixed Rate Mortgage |
|---|---|---|
| Greater of 3 Months’ Interest at DUCA’s current posted rate and the difference in interest payable due to the difference between the quoted posted rate when the mortgage was signed and DUCA’s current posted rate for a mortgage with a comparable term. | Greater of 3 Months’ Interest or the IRD amount |
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While we try our best to get you the best rates, we cannot guarantee that they are always accurate. WOWA assumes no liability for the accuracy of the information presented, and will not be held responsible for any damages resulting from its use.