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| Purchase | Rate1 | APR1 |
|---|---|---|
| 30-Year Fixed | 6.375% | 6.535% |
| 15-Year Fixed | 5.500% | 5.752% |
| Refinance | Rate2 | APR2 |
|---|---|---|
| 30-Year Fixed | 6.500% | 6.675% |
| 15-Year Fixed | 5.625% | 5.901% |
| Jumbo | Rate3 | APR3 |
|---|---|---|
| 30-Year Fixed | 6.375% | 6.519% |
| 15-Year Fixed | 5.500% | 5.724% |
| Physician Loan | Rate4 | APR4 |
|---|---|---|
| 30-Year Fixed | 6.375% | 6.525% |
| 15-Year Fixed | 5.500% | 5.737% |
| Home Equity | Rate5 | APR5 |
|---|---|---|
| 15-Year Fixed | 7.375% | 7.586% |
| 10-Year Fixed | 7.125% | 7.415% |
| 5-Year Fixed | 6.875% | 7.409% |
| Home Equity Line of Credit6 | 7.75% | 7.75% Variable |
| FHA | Rate7 | APR7 |
|---|---|---|
| 30-Year Fixed | 5.625% | 6.354% |
| 15-Year Fixed | 4.990% | 5.728 % |
| VA | Rate8 | APR8 |
|---|---|---|
| 30-Year Fixed | 5.625% | 5.824% |
| 15-Year Fixed | 5.312% | 5.312% |
APR = Annual Percentage Rate. These rate offers are effective 08/12/2025 and subject to change. Rates displayed are the "as low as" rates for purchase loans and refinances. Rates are based on creditworthiness, loan-to-value (LTV), occupancy, and loan purpose, so your rate and terms may differ. All loans subject to credit approval. Rates are subject to change without notice.
1 The information provided assumes the purpose of the loan is to purchase a property, the property is located in Idaho, and is within Nez Perce County. The property is an existing single family home valued at $300,000 and will be used as a primary residence. An escrow (impound) account will not be established. Loans with a down payment of less than 20% may require mortgage insurance which could increase the APR and payment amount. Payment examples below are based off a down payment of 25%. The rate lock period is 45 days and the assumed credit score is 780 or greater.
A fixed rate loan for $300,000 for 30 years at 6.375% interest and 6.535% APR will have an estimated monthly payment of $1403.71
A fixed rate loan for $300,000 for 30 years at 6.375% interest and 6.535% APR will have an estimated monthly payment of $1403.71
A fixed rate loan for $300,000 for 15 years at 5.500% interest and 5.752% APR will have an estimated monthly payment of $1838.44.
Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval.
Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval.
2 The information provided assumes the purpose of the loan is to refinance an existing mortgage, with a loan amount of $225,000 and an estimated property value of $300,000. Payment examples below include a 25% retention of equity in the property. The property is located in ID and is within Nez Perce county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account will not be established. The rate lock period is 45 days and the assumed credit score is 780 or greater.
A fixed rate loan for 30 years at 6.500% interest and 6.675% APR will have an estimated monthly payment of $1422.15.
A fixed rate loan for 15 years at 5.625% interest and 5.901% APR will have an estimated monthly payment of $1853.40
Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval.
3 The rate shown for the Jumbo Fixed loan assumes a loan amount of $850,000 for a purchase of single-family primary residence, a borrower credit score of 780 or higher, with an origination fee of 1% and a down payment of 25% or more. Payments provided below for the jumbo fixed reflect an estimated property value of $1,135,000 and a loan amount of $850,000.
A fixed rate loan for $850,000 for 30 years at 6.375% interest and 6.519% APR will have an estimated monthly payment of $5302.89.
A fixed rate loan for $850,000 for 15 years at 5.500% interest and 5.724% APR will have an estimated monthly payment of $6945.21.
Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval.
A fixed rate loan of $300,000 for 30 years at 6.375% interest and 6.525% APR will have an estimated monthly payment of $1871.61.
A fixed rate loan of $300,000 for 15 years at 5.500% interest and 5.737% APR will have an estimated monthly payment of $2451.25.
Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval.
5 The information provided assumes the purpose of the loan is to finance the equity in an already owned property. The payment examples below are for a property that is an existing single family home valued at $125,000 and will be used as a primary residence. An escrow (impound) account will not be established. Payment examples below include a 20% retention of equity in the property. The assumed credit score is 730 or greater.
A fixed rate loan for $100,000 for 15 years at 7.375% interest and 7.586% APR will have an estimated monthly payment of $919.92.
A fixed rate loan for $100,000 for 10 years at 7.125% interest and 7.415% APR will have an estimated monthly payment of $1167.54.
A fixed rate loan for $100,000 for 5 years at 6.875% interest and 7.409% APR will have an estimated monthly payment of $1974.23.
Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval. The closing costs depend on the location of the property, property type, and the amount of the Equity Loan. Closing costs are costs paid to third parties rather than an application or origination fee retained by P1FCU.
Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval. The closing costs depend on the location of the property, property type, and the amount of the Equity Loan. Closing costs are costs paid to third parties rather than an application or origination fee retained by P1FCU.
6 The Variable Annual Percentage Rate (APR) is based on the Prime Rate as published in the Wall Street Journal plus a margin, and will range from 7.75% APR to 18.00% APR. Some restrictions may apply. Actual APR based on creditworthiness and loan amount. Rates subject to change. Property Insurance is required. Membership required—based on eligibility.
All loans subject to credit approval. The closing costs depend on the location of the property, property type, and the amount of the Equity Line. Closing costs are costs paid to third parties rather than an application or origination fee retained by P1FCU. Fees paid by the borrower, for example, include appraisal, title, credit report, flood determination, and range between $0-$2,500.
7Purchase loan scenario. Refinance rates may be higher. The information provided assumes the purpose of the loan is to purchase a property located in Idaho, and is within Nez Perce County. The property is an existing single family home valued at $300,000 and will be used as a primary residence with 3.5% down payment. FHA loans require up front mortgage insurance premium (UFMIP) and monthly mortgage insurance premium. The UFMIP can be financed into the loan amount. The maximum FHA loan varies based on the county in which the subject property is located. The payments provided reflect the UFMIP being financed for a fixed rate FHA mortgage with an adjusted loan amount of $294,566. An escrow (impound) account will be established. The rate lock period is 45 days and the assumed credit score is 780 or greater.
Payment example for a FHA fixed rate loan for $294,566 for 15 years at 4.990% interest rates and 5.728% APR will have an estimated 180 monthly payments of $2327.88.
8Purchase loan scenario. Refinance rates may be higher. The information provided assumes the purpose of the loan is to purchase a property located in Idaho, and is within Nez Perce County. The property is an existing single family home valued at $300,000 and will be used as a primary residence with no down payment. VA loans require a VA funding fee that can be financed. The maximum VA loan varies based on the amount of the veteran’s entitlement. The payments provided reflect the funding fee being financed for a fixed rate VA mortgage with an adjusted loan amount of $306,450.00. An escrow (impound) account will be established. The rate lock period is 45 days and the assumed credit score is 780 or greater.
Payment example for a VA fixed rate loan for $306,450 for 30 years at 5.625% interest rates and 5.824% APR will have an estimated 360 monthly payments of $1764.10.
Payment example for a VA fixed rate loan for $306,450 for 15 years at 4.990% interest rates and5.312% APR will have an estimated 180 monthly payments of $2421.80.
Taxes and insurance are not included in the payment examples above; therefore, the actual payment obligation will be greater. All loans subject to credit approval.