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Fond du Lac Credit Union > Rates > Real Estate Loan Rates

Real Estate Loan Rates

Check out real estate loan rates in real-time.

Person holding money
First Mortgage
Lot Loans
Second Mortgage
Bare Land Loans
Real Estate Equity Advance Plan

First Mortgage

05/19/2026

Interest Rate
APR* (as low as)
Payment per $1,000
10 Year Fixed
6.125
6.390
$11.16
15 Year Fixed
6.125
6.312
$8.51
20 Year Fixed
6.500
6.651
$7.46
30 Year Fixed
6.750
6.866
$6.49
3/1 Year ARM **
5.250
5.610
$5.52
5/1 Year ARM **
5.500
5.860
$5.68
7/1 Year ARM **
5.750
5.859
$5.84

*APR is Annual Percentage Rate.
** ARM is Adjustable Rate Mortgage. First Mortgage ARM's are amortized over up to 30 years.

Loan rates, mortgage product, and conditions are based on your credit score, loan to value (equity), and personal qualifications. To obtain a specific rate and mortgage product with your personal qualifications, please contact a Lending Specialist. Rates and fees are subject to change at any time without notice. First lien mortgage position and owner occupied properties. Wisconsin properties only. Membership eligibility required.

Second Mortgage

05/19/2026

Interest Rate
APR* (as low as)
Payment per $1,000
10 Year Fixed
7.375
7.646
$11.81
15 Year Fixed
7.375
7.569
$9.20
3/1 Year ARM **
6.250
6.438
$8.57
5/1 Year ARM **
6.500
6.689
$8.71
7/1 Year ARM **
6.750
6.940
$8.85

*APR is Annual Percentage Rate.
** ARM is Adjustable Rate Mortgage. Second Mortgage ARM's are amortized over up to 15 years.

Loan rates, mortgage product, and conditions are based on your credit score, loan to value (equity), and personal qualifications. To obtain a specific rate and mortgage product with your personal qualifications, please contact a Lending Specialist. Rates and fees are subject to change at any time without notice. Second lien mortgage position and owner occupied properties. Wisconsin properties only. Membership eligibility required.

Real Estate Equity Advance Plan

05/19/2026

Interest Rate
APR* (as low as)
LTV 80% or Less
6.25
6.30
LTV over 80% up to 90%
6.75
6.80

*APR is Annual Percentage Rate.

Loan rates, mortgage product, and conditions are based on your credit score, loan to value (equity), and personal qualifications. To obtain a specific rate and mortgage product with your personal qualifications, please contact a Lending Specialist. Rates and fees are subject to change at any time without notice. First or second lien mortgage position and owner occupied properties. Wisconsin properties only. Membership eligibility required.

Minimum payment shall be: $150.00 or $1.50 per $100.00 (and fraction thereof) of the principal loan balance as of the date of the most recent advance.

Lot Loans

05/19/2026

Interest Rate
APR* (as low as)
Lot Loans (3/1 Year ARM **)
6.750
6.900

*APR is Annual Percentage Rate.
** ARM is Adjustable Rate Mortgage. 3 year ARM's are amortized over up to 20 years.

Loan rates and conditions are based on your credit score, loan to value (equity), and personal qualifications. To obtain a specific rate with your personal qualifications, please contact a Lending Specialist. Rates and fees are subject to change at any time without notice. Wisconsin properties only. Membership eligibility required.

Bare Land Loans

05/19/2026

Interest Rate
APR* (as low as)
Bare Land Loans (3/1 Year ARM **)
7.250
7.410

*APR is Annual Percentage Rate.
** ARM is Adjustable Rate Mortgage. 3 year ARM's are amortized over up to 20 years.

Loan rates and conditions are based on your credit score, loan to value (equity), and personal qualifications. To obtain a specific rate with your personal qualifications, please contact a Lending Specialist. Rates and fees are subject to change at any time without notice. Wisconsin properties only. Membership eligibility required.