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Mortgage Rates

Low rates keep your housing costs from going through the roof.

Spend less on your home and more on enjoying life.

We know houses are expensive, and most people have to work hard to make their monthly mortgage payments. So we strive to keep interest rates as low as possible. That can save you thousands of dollars over the years, leaving you with more money for food, furniture, and everything else you need.

Our mortgage rates are your key to homeownership.

Conforming Fixed

Conforming ARM

Conventional Loans Disclosure Statement

Standard 30 and 15 Year Conforming Annual Percentage Rate (APR) is calculated based on a $450,000 loan amount and includes an Origination fee of .5%, in addition to processing and underwriting fees. Minimum loan amount of $50,000 and maximum loan amount of $806,500.00. Rates assume that there are no other liens against the property and that the property will be owner occupied. Advertised rates may require the purchase of points to obtain the reduced rate; no points options are also available, at a higher interest rate. Loans in excess of 80% Loan to Value (LTV) are subject to private mortgage insurance (PMI). Payment examples include principal and interest but do not include any taxes or insurance premiums; your actual payment may be greater. Escrow account may be required. Rates, terms and conditions vary based on creditworthiness and qualifications and are subject to change. Subject to credit and property approval. Additional restrictions may apply. Consult your tax advisor regarding the deductibility of interest. You must be a member of Andrews Federal Credit Union to obtain any home loan from us. For complete details about our mortgage rates and to learn about product and payment options, click here.

5/6 Adjustable Rate Mortgage (ARM) Disclosure Statement

APR is variable and will adjust every six (6) months, after an initial five year period at the advertised APR, for a total of 360 monthly payments (30 year term).  Your rate will change every six (6) months by no more than 2 percentage points up or down, never to exceed more than 5 percentage points above the initial rate.  When the rate adjusts, your new rate will be the then current index (30-Day Average Secured Overnight Financing Rate, or SOFR) plus a margin of 1.50%, as long as the total adjustment does not exceed the 2.00% adjustment cap.

Jumbo Fixed

Jumbo ARM

Jumbo Loans Disclosure Statement

Annual Percentage Rate (APR) is calculated based on a $900,000 loan amount and includes an Origination fee of $1,500.00.  Minimum loan amount of $806,500.00, and maximum loan amount of $3,000,000.  Rates assume that there are no other liens against the property, that the property will be owner occupied, and that the loan amount does not exceed 95% of the property’s appraised value. Advertised rates require the purchase of points to obtain the reduced rate; no points options are also available, at a higher interest rate.  Loans in excess of 80% Loan to Value (LTV) are subject to private mortgage insurance (PMI).  Payment examples include principal and interest but do not include any taxes or insurance premiums; your actual payment may be greater.  Escrow account may be required.  Rates, terms and conditions vary based on creditworthiness and qualifications and are subject to change.  Subject to credit and property approval.  Additional restrictions may apply.  Consult your tax advisor regarding the deductibility of interest.  You must be a member of Andrews Federal Credit Union to obtain any home loan from us.  For complete details about our mortgage rates and to learn about product and payment options, click here.

5/6 Adjustable Rate Mortgage (ARM) Disclosure Statement

APR is variable and will adjust every six (6) months, after an initial five year period at the advertised APR, for a total of 360 monthly payments (30 year term).  Your rate will change every six (6) months by no more than 2 percentage points up or down, never to exceed more than 5 percentage points above the initial rate.  When the rate adjusts, your new rate will be the then current index (30-Day Average Secured Overnight Financing Rate, or SOFR) plus a margin of 1.50%, as long as the total adjustment does not exceed the 2.00% adjustment cap.

Rewarding Checking

Kasasa Cash Checking
We’re always looking for ways to give you more. That includes our outstanding checking options powered by Kasasa. With Kasasa Cash Checking, you can earn higher dividends on your checking account balances — up to 5.50% APY. And, you’ll continue to have access to all the best benefits that come standard with Andrews Federal membership, including Early Direct Deposit, mobile check deposits, Digital Banking access and more.
Learn More

Earn 5.50% APY* with Kasasa Cash Checking, a free checking account that pays high dividends. 

Andrews Federal Credit Union is a full-service financial institution with stateside locations in Washington, D.C., Maryland, Virginia and New Jersey, as well as overseas locations in the Netherlands, Belgium and Germany.