Fixed Rate
Program	Rate	APR
10 Year Fixed Rate	6.500%	6.996%
15 Year Fixed Rate	6.625%	6.979%
20 Year Fixed Rate	6.875%	7.161%
30 Year Fixed Rate	7.000%	7.221%

Government
Program	Rate	APR
FHA 15 Year Fixed	6.125%	6.611%
FHA 30 Year Fixed	6.250%	6.461%
USDA 30 Year Fixed	6.500%	6.714%
VA 15 Year Fixed	6.125%	6.652%
VA 30 Year Fixed	6.500%	6.714%

Variable Rate
Program	Rate	APR
Educated Choice Mortgage 30 Year	6.000%	6.208%

Construction & Land
Program	Rate	APR
ESFCU 10 Year Fixed Lot Loan	7.500%	8.005%
ESFCU 15 Year Fixed Lot Loan	7.500%	7.863%

Mortgage Rates effective as of 12/20/2024 03:00 PM

Disclaimer: The information provided on this page is for comparative purposes only and may include points. Additional loan programs may be available. Contact a Loan Officer to get an official Loan Estimate before choosing a mortgage product. Your actual rate, fees, and terms may differ based on when your rate is locked, occupancy status, loan purpose, loan amount, credit score, debt-to-income ratio, loan-to-value ratio, etc. Rates are subject to change without notice.