Current Rates

1st Mortgages

Effective as of August 14, 2019

Loan Product Rates Starting At APR* as Low as Payment Example**
Fixed-Rate Loans      
30-Year Fixed Rate Conforming 3.500% 3.621% $1,122.61
20-Year Fixed Rate Conforming 3.375% 3.543% $1,433.89
15-Year Fixed Rate Conforming 3.125% 3.341% $1,711.46
97% Loan-to-Value Purchase      
30-Year 97% LTV Conforming 3.750% 3.872% $1,741.52
Adjustable-Rate Loans      
3/1 ARM Purchase 2.750% 2.865% $1,020.60
Jumbo Loans      
30-Year Fixed Jumbo  3.625% 3.732% $3,420.38

 

Learn more about our mortgages

Rates are subject to change at any time without notice. The stated rates are the lowest rates available to those in good credit standing and do include any discount points. Your rate may be different depending on your credit history, loan-to-value, property value and other factors. New or existing Affinity Plus membership is required.

*APR=Annual Percentage Rate. The APR is calculated based upon typical finance charges and closing costs, including a 1% origination fee.

**Payment examples are based upon a $250,000 loan for a single-family residence in Minnesota and include finance charges. Jumbo loans are based upon a $750,000 loan amount. Taxes, insurance premiums and mortgage insurance (where applicable) are not included.

Payment examples for ARMs assume a 30-year term. For ARMs, the interest rate, APR, and monthly payments may increase after the initial fixed-interest rate period.

Not all products and terms are shown here.

Refinance

Effective as of August 14, 2019

Loan Product Rates Starting At APR* as Low as Payment Example**
Fixed-Rate Loans      
30-Year Fixed Rate Conforming 3.500% 3.621% $1,122.61
20-Year Fixed Rate Conforming 3.375% 3.543% $1,433.89
15-Year Fixed Rate Conforming 3.125% 3.341% $1,741.52
12-Year Fixed Rate Conforming 2.875% 3.138% $2,054.83
10-Year Fixed Rate Conforming 2.750% 3.099% $2,385.28
8-Year Fixed Rate Conforming 2.625% 3.056% $2,890.00
Adjustable-Rate Loans      
3/1 ARM Refinance 2.750% 2.865% $1,020.60
Jumbo Loans      
30-Year Fixed Jumbo  3.625% 3.732% $3,420.38

 

Learn more about our mortgages

Rates are subject to change at any time without notice. The stated rates are the lowest rates available to those in good credit standing and do include any discount points. Your rate may be different depending on your credit history, loan-to-value, property value and other factors. New or existing Affinity Plus membership is required.

*APR=Annual Percentage Rate. The APR is calculated based upon typical finance charges and closing costs, including a 1% origination fee.

**Payment examples are based upon a $250,000 loan for a single-family residence in Minnesota and include finance charges. Jumbo loans are based upon a $750,000 loan amount. Taxes, insurance premiums and mortgage insurance (where applicable) are not included.

Payment examples for ARMs assume a 30-year term. For ARMs, the interest rate, APR, and monthly payments may increase after the initial fixed-interest rate period.

Not all products and terms are shown here.

Construction Loan

Effective as of August 2, 2019

  Rate Starting At APR* as Low as Payment Example**
30-Year Construction-to-Permanent Conforming 3.500% 3.621% $1,122.61

 

Learn more about construction loans

Rates are subject to change at any time without notice. The stated rates are the lowest rates available to those in good credit standing. Your rate may be different depending on your credit history, loan-to-value, property value and other factors. New or existing Affinity Plus membership is required.

*APR=Annual Percentage Rate. The APR is calculated based upon typical finance charges and closing costs, including a 1% origination fee.

**Payment examples are based upon a $250,000 loan for a single-family residence in Minnesota and include finance charges. Taxes, insurance premiums and mortgage insurance (where applicable) are not included.

Land Loan - Fixed Rate (less than 80% loan to value)

Effective as of August 2, 2019

Term Rates Starting At APR* as Low as Payment Example
5 Years 6.050% 6.315% $1,451.70

 

Learn more about land loans

Rates are subject to change at any time without notice. The stated rates are the lowest rates available to those in good credit standing. Your rate may be different depending on your credit history, loan-to-value, property value and other factors. New or existing Affinity Plus membership is required.

*APR=Annual Percentage Rate. The APR is calculated based upon typical finance charges and closing costs, including a 1% origination fee.

**Payment examples are based upon a $250,000 loan for a property in Minnesota and include finance charges. Taxes, insurance premiums and mortgage insurance (where applicable) are not included.

Land loans with 10-year and 15-year terms are also available.

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