The interest rate may be locked in after a completed application is submitted, for 30 days with no fee.

The interest rate may be locked in at application up to commitment issuance, for a maximum of 60 days. There is a non-refundable lock-fee of .25% of the loan amount.

Unless you sign a separate Rate Lock-in Agreement, the interest rate on your mortgage loan will be the prevailing rate for the loan type requested and will be set 8 Business Days prios to a scheduled closing.

To request a rate lock, please complete the Rate Lock Request Form and return it to your Mortgage Loan Originator or Loan Processor. Rate lock requests are accepted Monday- Friday 11AM-4PM.

If your rate lock has not expired, a rate lock extension may be purchased for a non-refundable fee of .125% of the loan amount for every 7 calendar days requested, not to exceed 28 calendar days.

All rate lock fees are non-refundable so long as the Credit Union approves your application. The fee will be refunded if a statement of credit denial is issued by the Credit Union.  If incomplete or inaccurate information is provided to the Credit Union, the fee will not be refunded in case of a credit denial.