Rates Effective as of: 08/28/2026
| Term | Points | Rate | APR1 | Payment per $1,000 |
|---|---|---|---|---|
| 30 Year Fixed Rate | 0 | 6.375% | 6.440% | $6.24 |
| 20 Year Fixed Rate | 0 | 6.500% | 6.587% | $7.46 |
| 15 Year Fixed Rate | 0 | 6.000% | 6.107% | $8.44 |
| 10 Year Fixed Rate | 0 | 6.000% | 6.152% | $11.10 |
1 APR - Annual Percentage Rate. Posted APRs are calculated assuming a single family property, 20% down payment for purchases, credit score of 740 or better, automatic payment and tax escrow, and no subordinate financing. Property must be an owner occupied primary home 1-4 family property. Maximum loan to value of 95% with PMI. Rates and APRs may change at any time and vary according to the property and loan characteristics. Approval subject to Naveo lending criteria and secondary market guidelines. Other loan options available. Payment shown does not include taxes and insurance. Mortgage Insurance may be required depending on loan guidelines. Your payment may be greater. Additional terms and conditions may apply.
Posted APRs and rates are Naveo base rates. Actual APRs may be higher for loans with any of the following characteristics: loan-to-value ratio above 60%; credit scores below 740; cash-out refinancing; condominiums; 2-4 unit properties; and non-owner-occupied properties. Per Naveo policy, interest rates cannot be locked until Naveo has received the final property appraisal report and title search report.
| Term | Points | Rate | APR1 | Payment per $1,000 |
|---|---|---|---|---|
| 30 Year Fixed Rate | 0 | N/A% | N/A% | $N/A |
| 15 Year Fixed Rate | 0 | 6.750% | 6.859% | $8.85 |
1 APR: Annual Percentage Rate. Posted APRs are calculated assuming a single family property, 20% down payment for purchases, credit score of 740 or better, automatic payment and tax escrow, and no subordinate financing. Property must be an owner occupied 1-4 family property. Maximum loan to value of 95% with PMI. Rates and APRs may change at any time and vary according to the property and loan characteristics. Approval subject to Naveo lending criteria and secondary market guidelines. Other loan options available. Payment shown does not include taxes and insurance. Mortgage Insurance may be required depending on loan guidelines. Your payment may be greater. Additional terms and conditions may apply. Pricing adjustments may apply based upon credit score, LTV, loan characteristics and/or property type.
The 15-year rates are good for up to $2 million for owner-occupied primary homes.
Posted APRs and rates are Naveo base rates. Actual APRs may be higher for loans with any of the following characteristics: loan-to-value ratio above 60%; credit scores below 740; cash-out refinancing; condominiums; 2-4 unit properties; and non-owner-occupied properties. Per Naveo policy, interest rates cannot be locked until Naveo has received the final property appraisal report and title search report.
| Loan Limits | Conforming | High Balance |
|---|---|---|
| 1 Family & Condo | $832,750 | $962,550 |
| 2 Family | $1,066,250 | $1,232,250 |
| 3 Family | $1,288,800 | $1,489,500 |
| 4 Family | $1,601,750 | $1,851,100 |
| Loan Program* | Initial Interest Rate Period | Points | Initial Interest Rate** | APR¹ | Initial Rate Period # Monthly Payments | Initial Rate Period EMP² per $1000 | Fully Indexed Rate | Fully Indexed Rate # Monthly Payments | Fully Indexed Rate EMP² per $1000 | Closing Fees |
|---|---|---|---|---|---|---|---|---|---|---|
| 5/1 | 5 Years | 0 | 5.625% | 6.445% | 60 | $5.76 | 6.875% | 300 | $6.57 | Yes |
| 7/1 | 7 Years | 0 | 5.750% | 6.362% | 84 | $5.84 | 6.875% | 276 | $6.57 | Yes |
| 10/1 | 10 Years | 0 | 6.000% | 6.364% | 120 | $6.00 | 6.875% | 240 | $6.57 | Yes |
| 15/1 | 15 Years | 0 | 6.875% | 6.947% | 180 | $6.57 | 6.875% | 180 | $6.57 | Yes |
| 30-year term/amortization
The advertised rates are for conforming loans with a loan example of $450,000 and are based on the loan characteristics noted below. Payment examples do not include taxes or insurance premiums, monthly payment obligations will be higher. |
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*ARM loans are variable rate loans, rates and payments may increase after consummation. Rates and payments will remain the same for the first 5, 7,10, or 15 years and then can adjust to a new rate and payment every 12 months based on a current index, depending on the ARM program you choose. For example, if you select the 5yr/1yr ARM program your rate and principal & interest payment will be fixed for the first 5 years (the 5 in 5yr/1yr), after that the interest rate and payment could change every 12months for the remainder of the mortgage's term (the 1 in 5yr/1yr).
**Must meet Secondary Market guidelines to qualify for these published rates. Add-ons to rate may apply.
1 APR - Annual Percentage Rate. Rates are based on current pricing and are subject to change at any time without notice. Rates are determined by certain factors, including loan amount, creditworthiness, loan-to-value (LTV), loan term, occupancy status, property type, loan purpose, and lien position, so your rate could be higher. Advertised rates are based on the following loan assumptions – a purchase of a single-family, owner-occupied residence, with an LTV of 60% or less, credit score of 740 or higher, based on an ARM program displayed above, and the loan will be a first lien. Additional loan programs are available. Mortgage insurance may be required depending on loan guidelines. All loans are subject to approval, other conditions may apply.
2 EMP - Estimated Monthly Payment is for principal and interest per $1,000.00 borrowed. Payment examples do not include taxes and/or insurance premiums, payment obligation will be higher. Payment examples are based on the highest term available.
All adjustable rates are for mortgages up to $2,000,000. Other terms also available – Please call for pricing. APRs on adjustable rate loans may vary and rates may increase after consummation of the loan.
| Loan Program* | Initial Interest Rate Period | Points | Initial Interest Rate** | APR¹ | Initial Rate Period # Monthly Payments | Initial Rate Period EMP² per $1000 | Fully Indexed Rate | Fully Indexed Rate # Monthly Payments | Fully Indexed Rate EMP² per $1000 | Closing Fees |
|---|---|---|---|---|---|---|---|---|---|---|
| 5/1 | 5 Years | 0 | 6.250% | 6.672% | 60 | $6.16 | 6.875% | 300 | $6.57 | Yes |
| 7/1 | 7 Years | 0 | 6.375% | 6.662% | 84 | $6.24 | 6.875% | 276 | $6.57 | Yes |
| 10/1 | 10 Years | 0 | 6.625% | 6.757% | 120 | $6.40 | 6.875% | 240 | $6.57 | Yes |
| 15/1 | 15 Years | 0 | 6.875% | 6.925% | 180 | $6.57 | 6.875% | 180 | $6.57 | Yes |
| 30-year term/amortization
The advertised rates are for conforming loans with a loan example of $900,000 and are based on the loan characteristics noted below. Payment examples do not include taxes or insurance premiums, monthly payment obligations will be higher. |
||||||||||
*ARM loans are variable rate loans, rates and payments may increase after consummation. Rates and payments will remain the same for the first 5, 7,10, or 15 years and then can adjust to a new rate and payment every 12 months based on a current index, depending on the ARM program you choose. For example, if you select the 5yr/1yr ARM program your rate and principal & interest payment will be fixed for the first 5 years (the 5 in 5yr/1yr), after that the interest rate and payment could change every 12months for the remainder of the mortgage's term (the 1 in 5yr/1yr).
**Must meet Secondary Market guidelines to qualify for these published rates. Add-ons to rate may apply.
1 APR - Annual Percentage Rate. Rates are based on current pricing and are subject to change at any time without notice. Rates are determined by certain factors, including loan amount, creditworthiness, loan-to-value (LTV), loan term, occupancy status, property type, loan purpose, and lien position, so your rate could be higher. Advertised rates are based on the following loan assumptions – a purchase of a single-family, owner-occupied residence, with an LTV of 60% or less, credit score of 740 or higher, based on an ARM program displayed above, and the loan will be a first lien. Additional loan programs are available. Mortgage insurance may be required depending on loan guidelines. All loans are subject to approval, other conditions may apply.
2 EMP - Estimated Monthly Payment is for principal and interest per $1,000.00 borrowed. Payment examples do not include taxes and/or insurance premiums, payment obligation will be higher. Payment examples are based on the highest term available.
All adjustable rates are for mortgages up to $2,000,000. Other terms also available – Please call for pricing. APRs on adjustable rate loans may vary and rates may increase after consummation of the loan.
| Term | APR1 | APR1 |
|---|---|---|
| 10 Year Draw Period | 5.75% | Variable thereafter
Prime Minus 1.00% |
| 10 Year Term | Fixed for the first 12 months | Thereafter |
- No closing costs or application fee*
- Interest may be tax deductible
Apply Now!HELOC FAQsCalculator
1 APR: Annual Percentage Rate. The first 12 months is a fixed introductory rate of 5.75% APR. Prime rate minus 1.00% for the remaining term of the line may change monthly. As of 12/11/2025, the prime rate is 6.75% as published in the Wall Street Journal. APR may vary but will not drop below 3.50% or exceed 18.00% after the introductory period. Minimum approved credit line or loan is $5,000. Maximum approved credit line or loan is $500,000. Loan amounts greater than $250,000 may result in higher closing costs and a full appraisal. Minimum credit score of 720. Maximum combined loan to value of 80%. Property must be 1- 4 family owner occupied or single-family vacation property. Property insurance is required. This promotion is only valid one time, per member. All lines will be assessed a $45 annual fee. Rates and APRs may change at any time and vary according to the property and loan characteristics. Approval subject to Naveo lending criteria and Naveo membership eligibility. Consult your tax advisor regarding the tax benefits available to you. Additional terms and conditions may apply. Pricing adjustments may apply based upon credit score, CLTV, debt ratios and other loan characteristics.
* No closing cost option requires minimum line limit of $25,000 and minimum initial advance for first 90 days of $15,000. Early payment, within the first 36 months, may be subject to Reimbursement Fee.
| Term | APR1 | APR1 |
|---|---|---|
| 10 Year Draw Period | 6.75% | Variable thereafter
Prime Rate (currently 6.75%) |
| 10 Year Term | Fixed for the first 12 months | Thereafter |
- No closing costs or application fee*
- Interest may be tax deductible
Apply Now!HELOC FAQsCalculator
1 APR: Annual Percentage Rate. The first 12 months is an introductory rate of 6.75%. Prime rate for the remaining term of the line may change monthly. As of 12/11/2025 the prime rate is 6.75% as published in the Wall Street Journal. APR may vary but will not drop below 4.00% or exceed 18.00% after the introductory period. Minimum approved credit line or loan is $5,000. Maximum approved credit line or loan is $500,000. Loan amounts greater than $250,000 may result in higher closing costs and a full appraisal. Minimum credit score of 700. Maximum combined loan to value of 80%. Property must be 1- 4 family owner occupied or single-family vacation property. Property insurance is required. All lines will be assessed a $45 annual fee. Rates and APRs may change at any time and vary according to the property and loan characteristics. Approval subject to Naveo lending criteria and Naveo membership eligibility. Consult your tax advisor regarding the tax benefits available to you. Additional terms and conditions may apply. Pricing adjustments may apply based upon credit score, CLTV, debt ratios and other loan characteristics.
* No closing cost option requires minimum line limit of $25,000 and minimum initial advance for first 90 days of $15,000. Early payment, within the first 36 months, may be subject to Reimbursement Fee.
| Term | Rate | APR1 | Payment per $1,000 |
|---|---|---|---|
| 20 Year | 7.250% | 7.250% | $7.90 |
| 15 Year | 7.000% | 7.000% | $8.99 |
| 10 Year | 6.750% | 6.750% | $11.48 |
| 7 Year | 6.500% | 6.500% | $14.85 |
| 5 Year | 6.375% | 6.375% | $19.51 |
| 3 Year | 6.250% | 6.250% | $30.54 |
1 APR: Annual Percentage Rate. Posted APRs are calculated assuming maximum 80% LTV and credit score of 720 or better. Minimum loan amount of $5,000. Maximum loan amount of $500,000. Loan amounts greater than $250,000 may result in higher closing costs and a full appraisal. Property must be an owner occupied 1-4 family or single-family vacation property located. Property insurance is required. Rates and APRs may change at any time and vary according to the property and loan characteristics. Auto debit for monthly payment from a deposit account is required. Approval subject to Naveo lending criteria and Naveo membership eligibility. Consult your tax advisor regarding the tax benefits available to you. Pricing adjustments may apply based upon credit score, CLTV, debt ratios and the loan characteristics.
* No closing cost option requires minimum loan of $15,000. Subject to Reimbursement Fee if HELOAN is closed within first 36 months.
| Term | Rate | APR1 | Payment per $1,000 |
|---|---|---|---|
| 20 Year | 7.750% | 7.750% | $8.21 |
| 15 Year | 7.500% | 7.500% | $9.27 |
| 10 Year | 7.250% | 7.250% | $11.74 |
| 7 Year | 7.000% | 7.000% | $15.09 |
| 5 Year | 6.875% | 6.875% | $19.74 |
| 3 Year | 6.750% | 6.750% | $30.76 |
1 APR: Annual Percentage Rate. Posted APRs are calculated assuming maximum 80% LTV and credit score of 700 or better. Minimum loan amount of $5,000. Maximum loan amount of $500,000. Loan amounts greater than $250,000 may result in higher closing costs and a full appraisal. Property must be an owner occupied 1-4 family or single-family vacation property. Property insurance is required. Rates and APRs may change at any time and vary according to the property and loan characteristics. Auto debit for monthly payment from a deposit account is required. Approval subject to Naveo lending criteria and Naveo membership eligibility. Consult your tax advisor regarding the tax benefits available to you. Pricing adjustments may apply based upon credit score, CLTV, debt ratios and the loan characteristics.
* No closing cost option requires minimum loan of $15,000. Subject to Reimbursement Fee if HELOAN is closed within first 36 months.