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Routing Number: 291880411

Careers Contact Us   1-800-341-9911

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When comparing lenders, make sure you ask:

What are the rates?

Rate is very important when shopping for home loans. Don't forget that discount points, origination fees, and other fees could be the reason rates differ so much. It's best to compare all fees and conditions when shopping for your home loan.

What are settlement/closing costs?

Closing or settlement costs can vary substantially among financial institutions. Did you know that when a financial institution offers a lower rate, the closing costs could be higher? That's why all mortgage related costs and fees as well as rates should be considered when shopping for your loan.

Who will service my loan?

After you obtain your home loan, who can you call for the right answers to new questions? How important is it for you to have a local financial institution service your home loan? It may not seem important now, but these are good things to know before you obtain your home loan.

Are there prepayment penalties?

Does the financial institution charge penalties if you make payments ahead of time or pay off the loan ahead of time? Hopefully the answer to this question is 'no'. If not, find out what the prepayment penalty is because you may want to sell or refinance your home later.

What is a point?

A point is 1% of your home loan amount. It's typically paid up front in order to lower the interest rate on your home loan. So, usually the more you pay up front in "points", the lower your home loan interest will be. What's more important to you, paying more now or paying more later as you make your payments?

Asking the right questions can save you money! Be sure to talk to RCU's Home Team before financing your new home. Call them at 715-833-7241 or 1-800-341-9911 ext. 7241

* APR= Annual Percentage Rate. Payment per month on $100,000 at 7% APR for 30 years is $665.43.

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