Mortgage Rates

Table data for Mortgage Fixed Rates
Effective as of 06/30/2026
Term	Rate	APR ¹	Alert Me
10-Years	5.625%	5.741%	Receive a notification when this rate changes

15-Years	5.875%	5.957%	Receive a notification when this rate changes

20-Years	6.125%	6.191%	Receive a notification when this rate changes

30-Years	6.240% ²	6.290%	Receive a notification when this rate changes

Mortgage loan terms available from 1 to 30 years. Other restrictions and requirements may apply. Membership requirements apply. Contact a mortgage loan expert for details and requirements.

Table data for First-Time Homebuyer Rates
Effective as of 06/30/2026
Term	Rate	APR ¹	Alert Me
30-Years	6.625% - 7.125% ³	7.189%	Receive a notification when this rate changes

Table data for Adjustable-Rate Mortgage (ARM)
Effective as of 06/30/2026
Term	Rate	APR ¹	Alert Me
5/6 Year ARM	5.500% ⁴	7.091%	Receive a notification when this rate changes

7/6 Year ARM	5.875% ⁵	6.997%	Receive a notification when this rate changes

Table data for Home Equity Loans
Effective as of 06/30/2026
Term	APR ¹	Alert Me
HELOC	5.99% - 11.00% ⁶

Fixed Second Mortgage	7.25% - 11.00% ⁷

Table data for Speciality Home Loan
Effective as of 06/30/2026
Home Loan Type	Rate	Alert Me
Swing Loan	Call For Rate Quote

VA Loan	Call For Rate Quote

FHA	Call For Rate Quote

Jumbo	Call For Rate Quote

Reverse Mortgage	Call For Rate Quote

Disclosures

¹ APR= Annual Percentage Rate

² APR=Annual Percentage Rate. APR for this loan type is 6.290%. Rate with approved credit. Terms and rates may change at any time without notice. Rates apply to Conventional 1st mortgages. Closing costs apply and range from $2,500-$5,000 depending on circumstances which do not include rate buy-down or escrows. Minimum loan amount is $40,000. Maximum loan-to-value ratio is 80%. Payment example: 360 payments of $2,460.27 at an interest rate of 6.240% based on an average $400,000 loan balance. Monthly payment amount displayed includes principal and interest only. Payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. Other restrictions and requirements may apply. Membership requirements apply. Ask a mortgage loan officer for details

³ Must be 18 and older to qualify. Down payments are examples only and do not include closing costs, prepaid interest, taxes and homeowners’ insurance. Down payment amount and mortgage loan amount will vary based on purchase price amount, credit score and income. Payment example on a loan amount of $355,410: 360 monthly payments of $2,394.46 at 7.189% APR which includes a down payment of 1%, purchase price $359,000. Estimated closing costs of $5,397.00. Pre-paid interest, taxes and homeowners’ insurance are not included in closing costs or payment example and can vary. An AACU rewards checking account is required with direct deposit to qualify. Membership requirements apply. Restrictions and requirements apply. Program subject to change. Equal Housing Lender. Air Academy Federal Credit Union: NMLS #454287.

⁴ APR=Annual Percentage Rate is effective 06/30/2026 and includes origination fees based on product type. Rates are subject to change. A example of a 5/6 payment for $320,000 loan with a 5.500% rate and 7.091% APR, the first 60 payments are $1,816.92 followed by 300 payments that could range from $1,367.00 to $2,784.00 based on a minimum rate of 2.75% and a maximum rate of 10.50%. Examples assume a property value of $400,000 and a loan to value of 80%. Above payment examples don’t include taxes and insurance. Actual payments may be higher. Closing costs don’t include buy downs, escrows or subordination fees (if applicable). The values are published by the Federal Reserve Bank of New York. Membership requirements apply. Restrictions and requirements apply. Program subject to change. Equal Housing Lender.

⁵ APR=Annual Percentage Rate is effective 06/30/2026 and includes origination fees based on product type. Rates are subject to change. A example of a 7/6 payment for $320,000 loan with a 5.875% rate and 6.997% APR, the first 84 payments are $1,892.92, followed by 276 payments that could range from $1,400.00 to $2,828.00, based on a minimum rate of 2.75% and a maximum rate of 10.875%. Examples assume a property value of $400,000 and a loan to value of 80%. Above payment examples don’t include taxes and insurance. Actual payments may be higher. Closing costs don’t include buy downs, escrows or subordination fees (if applicable). The values are published by the Federal Reserve Bank of New York. Membership requirements apply. Restrictions and requirements apply. Program subject to change. Equal Housing Lender.

⁶ APR=Annual Percentage Rate. APR is determined by adding a Margin to the Index. The Index is the Prime Rate as published in the “Money Rates” table in The Wall Street Journal. The Margin is calculated based on individual credit history and loan-to-value ratio. Rates subject to change without notice. Rates may vary after account is opened. Rates are adjusted on the first day of the month following a change in the Prime Rate, as published in the Wall Street Journal. The Prime Rate in effect on 12/10/2025, is 6.75%. At no time, will the rate exceed 17.99% APR. Minimum loan amount is $10,000. Maximum loan amount is $250,000. During the Advance Period, the minimum monthly payment is the greater of $50.00 or the finance charges that have accrued during the billing cycle. During the Repayment Period, the minimum monthly payment is the greater of $50.00 or the minimum monthly principal and interest payment due based on a 120 month amortization schedule calculated by the outstanding balance at the end of the Advance Period, plus finance charges that have accrued on the outstanding balance during the billing cycle. There is no limit on the amount by which the rate can change during any one-year period aside from the rate cap of 17.99%. Floor rate 3.5%. The maximum APR of 17.99% could be reached the first month of the draw period. Closing cost range is $400-$2,000. Late fees may apply. For current index value, margins, and APR, call 800.223.1983. Restrictions and requirements may apply. Ask a mortgage loan officer for details. Membership requirements apply. Equal Housing Lender. Please Note: Colorado Properties Only

⁷ APR=Annual Percentage Rate. APR for this loan type is 7.50-11.00%. Rate with approved credit. Terms and rates may change at any time without notice. Rates apply to Fixed Second mortgages. Closing costs apply and range from $499.00-$2,500.00 depending on circumstances. Minimum loan amount is $10,000. Maximum loan-to-value ratio is 90%. Payment example: 120 payments of $900.29 at an interest rate of 7.75% based on an average $75,000 loan balance. Monthly payment amount displayed includes principal and interest only. Payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. Other restrictions and requirements may apply. Membership requirements apply. Ask a mortgage loan officer for details.