We’re currently experiencing a high volume of applications.

Our commitment to our members is a top priority. If you’ve applied for a home loan, one of our experienced Mortgage Loan Officers will reach out to you shortly. Also, a successfully submitted application is stamped with the date and time, so if your application isn’t processed for a couple business days, we’ll still honor the rate from the day you applied. Thank you for your patience.

Mortgage Rates

Effective as of May 27, 2020

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.


Loan ProductRate
starting at
APR*
as low as
Payment Example**
PURCHASE
30-Year
Fixed-Rate, Conforming
3.125%
Rate
3.228%
APR*
$1,070.94
Payment Example**
30-Year Jumbo
Fixed-Rate
3.125%
Rate
3.229%
APR*
$3,212.82
Payment Example**
30-Year 97% Purchase
Fixed-Rate, Conforming
3.375%
Rate
3.479%
APR*
$1,105.24
Payment Example**
20-Year
Fixed-Rate, Conforming
2.875%
Rate
3.019%
APR*
$1,370.90
Payment Example**
3/1-Year ARM
Adjustable-Rate, Conforming
2.375%
Rate
2.473%
APR*
$971.63
Payment Example**
REFINANCE
30-Year
Fixed-Rate, Conforming
3.125%
Rate
3.228%
APR*
$1,070.94
Payment Example**
30-Year Jumbo
Fixed-Rate
3.125%
Rate
3.229%
APR*
$3,212.82
Payment Example**
20-Year
Fixed-Rate, Conforming
2.875%
Rate
3.019%
APR*
$1,370.90
Payment Example**
15-Year
Fixed-Rate, Conforming
2.625%
Rate
2.810%
APR*
$1,681.72
Payment Example**
12-Year
Fixed-Rate, Conforming
2.375%
Rate
2.602%
APR*
$1,996.95
Payment Example**
10-Year
Fixed-Rate, Conforming
2.250%
Rate
2.519%
APR*
$2,328.43
Payment Example**
8-Year
Fixed-Rate, Conforming
2.125%
Rate
2.457%
APR*
$2,834.09
Payment Example**
3/1-Year ARM
Adjustable-Rate, Conforming
2.375%
Rate
2.473%
APR*
$971.63
Payment Example**

Construction Loan

Our low, fixed rates make it affordable to build your dream home.

Learn more about construction loans  →

Loan ProductRate
starting at
APR*
as low as
Payment Example**
30-Year Construction-to-Permanent
Fixed-Rate, Conforming
3.125%
Rate
3.271%
APR*
$1,070.94
Payment Example**

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.

Learn more about land loans →

TermRate
starting as
APR*
as low as
Payment Example
5-Year
Fixed-Rate, Conforming
6.050%
Rate
6.332%
APR*
$1,451.70
Payment Example

lock-icon@2x

Lock Your Rate

Secure your mortgage rate and keep house-shopping for up to 60 days with our Lock & Shop rate lock program.

General Rate Disclosures

Mortgage Loan Disclosures

Construction Loan Disclosures

Land Loan Disclosures

Rates are subject to change at any time without notice. The stated rates are the lowest rates available to those in good credit standing and do include any discount points. Your rate may be different depending on your credit history, loan-to-value, property value and other factors. Closing costs will apply. Homeowner's insurance is required on the property securing the loan. New or existing Affinity Plus membership is required.

* APR = Annual Percentage Rate. The APR is calculated based upon typical finance charges and closing costs, including a 1% origination fee.

** 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 $750,000 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.

** 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.

** 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.

Current Rates
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