Mortgage Rates

We prioritize affordable and timely financing to help you get the keys to your new home.


Purchase Rate1 APR1
30-Year Fixed 6.375% 6.535%
20-Year Fixed 5.875% 6.079%
15-Year Fixed 5.750% 6.005%
10-Year Fixed 5.500% 5.858%

Refinance Rate2 APR2
30-Year Fixed 6.500% 6.675%
20-Year Fixed 6.000% 6.223%
15-Year Fixed 6.000% 6.281%
10-Year Fixed 5.625% 6.016%

Jumbo Rate3 APR3
30-Year Fixed 6.375% 6.520%
20-Year Fixed 5.875% 6.059%
15-Year Fixed 5.750% 5.980%
10-Year Fixed 5.500% 5.821%

Physician Loan Rate4 APR4
30-Year Fixed 6.375% 6.525%
20-Year Fixed 5.875% 6.067%
15-Year Fixed 5.750% 5.990%
10-Year Fixed 5.500% 5.836%

Home Equity Rate5 APR5
15-Year Fixed 7.500% 7.712%
10-Year Fixed 7.250% 7.542%
5-Year Fixed 7.000% 7.537%
Home Equity Line of Credit6 8.50% 8.50% Variable








































APR = Annual Percentage Rate. These rate offers are effective 07/16/2024 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 20 years at 5.875% interest and 6.079% APR will have an estimated monthly payment of $1595.79.
A fixed rate loan for $300,000 for 15 years at 5.750% interest and 6.005% APR will have an estimated monthly payment of $1868.42.
A fixed rate loan for $300,000 for 10 years at 5.500% interest and 5.858% APR will have an estimated monthly payment of $2441.84.
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 20 years at 6.000% interest and 6.223% APR will have an estimated monthly payment of $1611.97.
A fixed rate loan for 15 years at 6.000% interest and 6.281% APR will have an estimated monthly payment of $1898.68.
A fixed rate loan for 10 years at 5.625% interest and 6.016% APR will have an estimated monthly payment of $2455.80.

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 $750,000 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 $1,000,000 and a loan amount of $750,000.
A fixed rate loan for $750,000 for 30 years at 6.375% interest and 6.520% APR will have an estimated monthly payment of $4679.02.
A fixed rate loan for $750,000 for 20 years at 5.875% interest and 6.059% APR will have an estimated monthly payment of $5319.29.
A fixed rate loan for $750,000 for 15 years at 5.750% interest and 5.980% APR will have an estimated monthly payment of $6228.08.
A fixed rate loan for $750,000 for 10 years at 5.500 % interest and 5.821% APR will have an estimated monthly payment of $8139.47.
Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval.

4 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 with 0% down. 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 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 20 years at 5.875% interest and 6.067% APR will have an estimated monthly payment of $2127.72.
A fixed rate loan of $300,000 for 15 years at 5.750% interest and 5.990% APR will have an estimated monthly payment of $2491.23.
A fixed rate loan of $300,000 for 10 years at 5.500% interest and 5.836% APR will have an estimated monthly payment of $3255.79.
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 7.500% interest and 7.712% APR will have an estimated monthly payment of $927.01.
A fixed rate loan for $100,000 for 10 years at 7.250% interest and 7.542% APR will have an estimated monthly payment of $1174.01.
A fixed rate loan for $100,000 for 5 years at 7.000% interest and 7.537% APR will have an estimated monthly payment of $1980.12.
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 8.50% 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.