Submit About usContact usLocations and ATMs Enter search term here.... Bank Borrow Discover Join Login Home Loan Rates Home Home Loan Rates Discover our competitive home loan rates Check out our home loan rates below or click to explore deposit rates and consumer loan rates. Home Loan Rates Purchase, refinance, home equity Consumer Loan Rates Auto, RV, boat, trailer and motor sport loans, credit cards Deposit Rates Checking, savings, money market, certificates What type of home loan rates are you interested in? Fixed Rate No-Down / Low-Down Payment Adjustable Rate Home Loan (ARM) No Closing Costs Refinance Home Equity Fixed Rate Home Loans Rates shown are for purchase; refi rates may differ. Call for today's refinance rates: 888.626.1799. Rates accurate as of November 26, 2021 Term Rate APR as low as* Points Payment* 30-year fixed 2.63% 2.88% $4,688.00 $1,004.13 20-year fixed 2.38% 2.75% $5,000.00 $1,309.59 15-year fixed 1.88% 2.34% $4,688.00 $1,594.42 10-year fixed 1.75% 2.51% $5,625.00 $2,272.45 See more info about home loans Disclosures *Annual Percentage Rate (APR) accurate as of date shown, is subject to change and is for a home loan purchase; refinance rates may differ. Sample payment is based on a $250,000 mortgage with a 75% loan-to-value (LTV) and 740 FICO score. It does not include taxes and insurance, which means your actual payment may be higher. All loans are subject to credit and property approval. Not all applicants will qualify for a loan or the lowest rate shown. Special terms and conditions may apply. Home Now (No Down Payment) Rates accurate as of November 26, 2021 Term Rate APR as low as* Points Payment* 30-year fixed 3.75% 3.75% $0.00 $1,157.79 Explore home loan options Disclosures *Annual Percentage Rate (APR) accurate as of date shown and subject to change. Sample payment is based on a $250,000 mortgage with a 100% loan-to-value (LTV) and 740 FICO score. It does not include taxes and insurance, which means your actual payment may be higher. All loans are subject to credit and property approval. Not all applicants will qualify for a loan or the lowest rate shown. Special terms and conditions may apply. Adjustable Rate Home Loans (ARMs) Rates accurate as of November 26, 2021 Term Rate APR as low as* Points Payment* 5/6 ARM 1.88% 2.79% $5,625.00 $908.50 5/6 ARM 2.00% 2.83% $5,625.00 $924.05 7/6 ARM 2.25% 2.82% $5,000.00 $955.62 7/6 ARM 2.13% 2.76% $5,000.00 $939.75 10/6 ARM 2.25% 2.71% $5,000.00 $955.62 10/6 ARM 2.38% 2.78% $5,000.00 $971.63 Learn more about home loan options Disclosures *Annual Percentage Rate (APR) accurate as of date shown and subject to change. Sample payment is based on a $250,000 mortgage with a 75% loan-to-value (LTV) and 740 FICO score. It does not include taxes and insurance, which means your actual payment may be higher. ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/6 ARM, 7 years for a 7/6 ARM and 10 years for a 10/6 ARM; the 6 indicates that the interest rate is subject to adjustment once every six months thereafter). All loans are subject to credit and property approval. Not all applicants will qualify for a loan or the lowest rate shown. Special terms and conditions may apply. No Closing Costs Express Refinance Rates accurate as of November 26, 2021 Term Rate APR as low as* Points Payment* 15-year fixed 2.75% 2.75% $0.00 $1,696.55 10-year fixed 2.75% 2.75% $0.00 $2,385.28 Explore your refinance options Disclosures *Express Refinance Annual Percentage Rate (APR) accurate as of date shown and subject to change. Sample payment is based on a $250,000 mortgage with a 75% loan-to-value (LTV) and 740 FICO score. It does not include taxes and insurance, which means your actual payment may be higher. All loans are subject to credit and property approval. Not all applicants or properties will qualify for an Express Refinance loan. Special terms and conditions may apply. Solarity does not charge a Lender Origination fee or other third-party fees for Express Refinance. National average time to close a refinance is 48 days according to data from ICE Mortgage Technology™ as of August 2021. Solarity is able to close most Express Refinance home loans within 14-21 days of a completed application. Home Equity Line of Credit Rates accurate as of November 26, 2021 Term Rate as low as* APR as low as* Payment per $1,000* 15 years 4.25% 4.25% $7.52 Get more info on HELOCs Disclosures *Home equity product is available in Washington State. The minimum loan amount is $20,000. Maximum loan to value of up to 85%. The Annual Percentage Rate (APR) is a variable rate. Initial rate is based on loan amount, loan to value and credit history. Not all applicants will qualify for the lowest rate. Your qualifying rate may adjust monthly and is based on the highest Prime Rate as published in The Wall Street Journal as of the date of any rate adjustment, plus or minus a margin. Under no circumstances will your annual percentage rate exceed 18.000% per annum. Property insurance required. Fees at account opening include a $175 processing fee and $150 document preparation fee. Closing costs range from $700-$2,200 depending on appraisal requirements. Offer subject to credit approval, which includes verification of application information and receipt of collateral documents. Rates, terms, and conditions subject to change. Consult your tax advisor with any questions regarding tax advantages or deductibility of interest. Talk to an Expert Our Home Loan Guides are here to answer any questions you may have. Get in touch with us and we will connect you with someone who specializes in your specific situation. Call Ready to talk to someone right now? We're ready to talk to you, too! Call 888.626.1799. Make the call Form Fill out a contact form and one of our Home Loan Guides will get in touch with you shortly. Go there now Ready to apply? It only takes a few minutes to fill out the online application form and start the prequalification process. Apply online Call us: 800.347.9222 Member Contact Center Hours Monday - Thursday: 8 am to 5:30 pm PT Friday: 8 am to 6 pm PT Saturday: 9 am to 2 pm PT Branch hours may differ. Mailing Address P.O. Box 2922 Yakima, WA 98907‑2922 Services Auto, RV, Boat and Motor Sport Loans Home Loans Commercial Real Estate Online and Mobile Banking Personal Banking Help & Support Avoid Foreclosure Consumer Fees Disclosures FAQs Helpful Articles Privacy Connect With Us Careers Contact Us Find ATMs and Locations © 2021 Solarity Credit Union. All rights reserved. All loans subject to credit approval. Membership required. Federally Insured by NCUA. Equal Housing Opportunity | NMLS #469535 | Routing #325183738 Chat