Due to the winter storm forecast for Sunday into Monday, we are closely monitoring conditions and the potential for branch closings.
Please check for updates before visiting a branch. Online banking and the PCMCU mobile app are available 24/7.
Due to the winter storm forecast for Sunday into Monday, we are closely monitoring conditions and the potential for branch closings.
Please check for updates before visiting a branch. Online banking and the PCMCU mobile app are available 24/7.
Effective March 3rd, 2026 | Printable Rate Sheet
May qualify for .25% rate discount. Please contact a loan officer for details.
Loan is a fixed rate for 5 years. The maximum annual adjustment after the 5th year is 1%. The maximum lifetime adjustment is 4%. Private Mortgage Insurance (PMI) may be required, which will affect the APR. An Escrow is required for less than 20% equity. APR=Annual Percentage Rate. Rate listed is based on a $200,000 loan. Your loan’s interest rate may be higher, subject to your credit score. Please contact a PCMCU loan officer for details.
Rates are subject to change at anytime. The 15 to 20 year fixed interest rate has a cap of $500,000 and a minimum credit score of 670. Your loan’s interest rate may be higher, subject to your credit score.
*Variable Rates Adjust Quarterly according to the Wall Street Journal Prime.
PMT = Monthly Payment
APR=Annual Percentage Rate. Rates subject to change without notice.
LTV=Loan to Value
Escrow account may be required. APR listed is based on a $200,000 loan.
Down Payment Options: Home loans for purchase require as little as 3% down payment. 10% down payment loans are still available with no PMI.
Your loan’s interest rate may be higher, subject to your credit score.
Rates may vary based on credit score, amount of equity and purpose of the loan. Rates are subject to change at any time.
Home loans for purchase require as little as 3% down payment. 10% down payment loans are still available with no PMI. Please contact a PCMCU loan officer for complete details.
You may qualify for up to $10,000 to use toward down payment and closing costs! Home buyers must meet income eligibility requirements and:
Please call PCMCU and ask to speak to a member of our lending team to see if you qualify.
Federal Home Loan Bank of Chicago is a U.S. Government sponsored bank which provides services to financial institutions, including credit unions. As a partner of this unique entity, PCM Credit Union is able to share this program with you, the member-owners of PCMCU.
Funds for the program are limited and will be awarded on a first come-first serve basis until all funds have been used for the calendar year.
*Downpayment Plus is a program from the Federal Home Loan Bank of Chicago. Restrictions apply. Please see the Federal Home Loan Bank of Chicago’s website at www.fhlbc.com for complete requirements. “Downpayment Plus” is a registered trademark of the Federal Home Loan Bank of Chicago.
Call for additional details at (920) 593-2767.