Internal Daily Rate Sheet - Harvard University Employees Credit Union
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Internal Daily Mortgage Rate Sheet (internal use only)


Conforming – Max LTV 95%

Product Points Rate APR
30-Year Fixed Rate: First Time Homebuyer 0 3.000% 3.021%
30-Year Fixed Rate 0 3.125% 3.149%


Jumbo* – Loan Amounts Available Greater Than $1,500,00

Product Points Rate APR
30-Year Fixed Rate 0 3.125% 3.135%


First Mortgage Adjustable Rate – Conforming and Jumbo

Product Points Rate APR
7/1 ARM 0 2.375% 3.050%
10/1 ARM 0 2.500% 3.406%


  • *APR will vary based on the loan amount and prepaid fees. Prepaid fees include: Origination, application, underwriting, points, flood, tax service, prepaid interest, PMI insurance premium, attorney fee, and express mail charge fee.
  • 2 Point Product Available
  • Cash-out refinance Max LTV of 70%
  • Add additional .25 bp for all second homes
  • APR assumes 20% downpayment
  • No LLPA on Fixed Rate Mortgage or ARM
  • Second Homes and Pleasant Street Condominium have increased rate of .25%
  • First Time Home Buyer Discounts include: Free Pre-Approvals and discounted Rate .125%, $500 Lender Credit
  • NPNC (No Points No Closing Costs) Minimum Loan Amount = $200,000.



Product APR¹ Min & Max Amounts
HELOC (10/15) 2.99% $25,000 – $200,000


Fixed Seconds

Terms APR Min & Max Amounts
5 years 2.500% $25,000 – $200,000
10 years 2.750% $25,000 – $200,000


  • HELOC features 10 Year draw – 15 year payback.
  • HELOC Rate is Prime -.26 for the life of loan
  • Fixed second Discount .25% with autopay from HUECU checking account. Rate are based on auto pay discount.
  • Additional recording fees and prepaids may apply
  • No closing costs. If loan is paid off before the 2 year anniversary member will be required to pay closing costs.


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