Special mortgage programs can help take some stress out of homebuying. They add value to your homeownership experience by keeping it affordable.
Fixed-Rate Mortgage
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.
PREDICTABLE
Get the same principal and interest for the entire term.
EASY
Your home insurance and tax payments can be built into your monthly payment.
GUIDED
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.
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.
- 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
- 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
Mortgage Calculators
Our calculators can help you build a budget and make the right mortgage choice.
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.]
View All FAQs
Here are a few frequently asked questions:
Disclaimer
All mortgage loans are subject to approval and to credit union underwriting standards. Loan product, availability and terms are subject to change.