Mortgage Rates
From buying, building and beyond, we have a loan product with a great rate for you. Not all products and terms are shown here, but we're happy to review all options with you if you contact us for more details.
Mortgage Loans
Conventional Mortgage Loans
Mortgages up to $832,750. qualify in 2026.
| Loan Product |
Rate
starting at
|
APR*
as low as
|
Payment Example**
For a $250,000 Loan
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
PURCHASE | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
30-Year Fixed-Rate, Conventional
|
5.875% | 6.003% | $1,478.84 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
30-Year 97% Purchase
Fixed-Rate, Conventional
|
6.125% | 6.255% | $1,519.03 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
20-Year
Fixed-Rate, Conventional
|
5.625% | 5.795% | $1,737.42 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
5/6m ARM Adjustable-Rate, Conventional
|
4.875% | 4.995% | $1,323.02 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
7/6m ARM Adjustable-Rate, Conventional
|
5.125% | 5.247% | $1,361.22 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
REFINANCE | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
30-Year
Fixed-Rate, Conventional
|
5.875% | 6.003% | $1,478.84 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
20-Year
Fixed-Rate, Conventional
|
5.625% | 5.795% | $1,737.42 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
15-Year
Fixed-Rate, Conventional
|
5.375% | 5.588% | $2,026.16 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
12-Year
Fixed-Rate, Conventional
|
5.125% | 5.381% | $2,327.93 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
10-Year
Fixed-Rate, Conventional
|
5.000% | 5.301% | $2,651.64 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
8-Year
Fixed-Rate, Conventional
|
4.875% | 5.243% | $3,150.12 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
5/6m ARM
Fixed-Rate, Conventional
|
4.875% | 4.995% | $1,323.02 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
7/6m ARM
Fixed-Rate, Conventional
|
5.125% | 5.247% | $1,361.22 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Jumbo Mortgage Loans
All mortgages exceeding $832,750.
| Loan Product |
Rate
starting at
|
APR*
as low as
|
Payment Example**
For a $900,000 Loan
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
PURCHASE/REFINANCE | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
30-Year Jumbo Fixed-Rate
|
5.875% | 5.932% | $5,323.84 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
VA Mortgage Loans
Mortgages up to $832,750. qualify in 2026.
| Loan Product |
Rate starting at
|
APR*
as low as
|
Payment Example**
For a $250,000 Loan
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
PURCHASE | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
30-Year VA Fixed-Rate, Conventional
|
6.500% | 6.564% | $1,580.17 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
20-Year VA Fixed-Rate, Conventional
|
6.375% | 6.459% | $1,845.58 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
15-Year VA Fixed-Rate, Conventional
|
5.625% | 5.727% | $2,059.33 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
REFINANCE | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
30-Year VA Fixed-Rate, Conventional
|
6.500% | 6.564% | $1,580.17 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
20-Year VA Fixed-Rate, Conventional
|
6.375% | 6.459% | $1,845.58 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
15-Year VA Fixed-Rate, Conventional
|
5.625% | 5.727% | $2,059.33 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Construction Loan
Our low, fixed rates make it affordable to build your dream home.
| Loan Product |
Rate
starting at
|
APR*
as low as
|
Payment Example** |
|---|---|---|---|
|
30-Year Construction-to-Permanent Fixed-Rate, Conforming
|
5.875% | 6.055% | $1,478.84 |
Land Loan
With our land loan, you can purchase or refinance a space to call your own. Terms between 5 and 15 years are available.
| Term |
Rate
starting at
|
APR*
as low as
|
Payment Example |
|---|---|---|---|
|
5-Year Fixed-Rate, Conforming
|
6.990% | 7.275% | $1,484.74 |
Mortgage General Rate Disclosures
* APR = Annual Percentage Rate. The APR is calculated based upon typical finance charges and closing costs, including a 1% discount point.
The stated rates are the lowest rates available to those in good credit standing and include 1% discount point. Your rate may be different depending on your credit history, loan-to-value, property value and other factors. A down payment of less than 20%, resulting in a loan to value of greater than 80%, may require Private Mortgage Insurance (PMI) which may increase the APR and payment. Closing costs will apply. Homeowner's insurance is required on the property securing the loan. New or existing Affinity Plus membership is required.
Rates effective and subject to change at any time without notice.
Mortgage Loan Disclosures
** Payment examples for conventional fixed loans are based upon a $250,000 loan for a single-family residence in Minnesota and include finance charges. Jumbo loans are based upon a $900,000 loan amount. Payment examples for ARMs assume a 30-year term. For ARMs, the interest rate, APR, and monthly payments may increase after the initial fixed-interest rate period. Taxes, insurance premiums and mortgage insurance (where applicable) are not included and may increase your payment.
Construction Loan Disclosures
** Payment examples are based upon a $250,000 loan for a single-family residence in Minnesota and include finance charges. Taxes, insurance premiums and mortgage insurance (where applicable) are not included and may increase your payment.
Land Loan Disclosures
** Payment examples are based upon a $250,000 loan for a property in Minnesota and include finance charges. Taxes, insurance premiums and mortgage insurance (where applicable) are not included and may increase your payment.