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Fixed-Rate Mortgage

Two parents and a child unpack boxes in their new home just financed with a fixed-rate mortgage loan.
Fixed-Rate Mortgage

Move into peace of mind

Make your next move or settle into your first home with peace of mind and predictable payments with a Civic Fixed-Rate Mortgage.



Get the same principal and interest for the entire term.


Your home insurance and tax payments can be built into your monthly payment.


Enjoy step-by-step support from a dedicated team.

Let’s get you settled

Buying a home is exciting, but predictability and stability might be just what you need from your mortgage loan. With a consistent interest rate for the entire term of your loan, our fixed-rate mortgage lets you settle in with peace of mind.

Wrapped in each other’s arms, a couples walks toward the house they financed with a fixed-rate mortgage loan.

Find what works for you with 30-year or 15-year terms

30-year term 15-year term
• Lower monthly payment • Higher monthly payment
• Interest rate is typically higher than shorter terms • Typically a lower interest rate than 30-year
• You’ll pay more over the life of the loan • You’ll pay less over the life of the loan

  • Must be a Civic member to apply. Join today.
  • Find what works for you with 30-year or 15-year terms.
  • Financing up to 97% is available for purchases and refinances of second homes and financing up to 80% is available for cash-out refinances. 
view rates
An older couple on a comfy sofa apply for a fixed-rate mortgage loan to refinance their home using their mobile devices.

  • Maximum financing determined by home sales price or its appraised value
  • Financing up to 97% is available for purchases and refinances of second homes
  • Financing up to 80% is available for cash-out refinances
Couple moving boxes

  • Fixed rate protects you from rising interest
  • Easy yearly budgeting with predictable payments
  • Credit union-managed escrow account can bundle your mortgage, insurance and tax payments
  • Mortgage professionals on standby to help
Family standing in front new home

Mortgage Calculators

Our calculators can help you build a budget and make the right mortgage choice.

Home loans that get you moving

Special Mortgage Programs

Whether you qualify for a grant or a tax credit, we'll add value to your home ownership experience by keeping it affordable.

First-Time Homebuyer Program

For help with a down payment on an Adjustable-Rate Mortgage, or closing costs, the Federal Home Loan Bank of Atlanta (FHLBA) First-time Homebuyer Program has got you covered. Find out more about the program. (And by the way, congrats!)

Community Partners Product

FHLBA’s Community Partners Product helps with home purchase assistance for essential workers and other qualified members, whether you’ve owned a home before or not. Click here to learn more.

Visit the Mortgage Center

We've partnered with the Credit Union Mortgage Association (CUMA) for a streamlined homebuying process. Apply online through the Mortgage Center and a CUMA agent will reach out to you to talk next steps to prequalification. 

For the best member experience, use the Mortgage Center with a computer.

You know that details matter. [And you are in good company.]

Here are a few frequently asked questions:

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All mortgage loans are subject to approval and to credit union underwriting standards. Loan product, availability and terms are subject to change.