Caltech Employees Federal Credit Union

Real Estate Loans

Buying?  Building?  Improving?  CEFCU offers a full range of COMPETITIVE and EXCLUSIVE products to meet your needs!

First Trust Deeds

• 15 Year Fixed Rate Mortgage- Exclusively designed for members who are looking for fixed monthly payments with no interest rate change and a rate lock even lower than 30-year fixed programs.

Second Trust Deeds

• Home Equity Lines of Credit - CEFCU offers two credit lines featuring the gimmick-free lending you’ve come to expect from CEFCU.  Choose from our Traditional or 10-Year Interest Only programs offered exclusively for our extended Caltech family.
• Second Trust Deed – This type of loan serves as a 2nd mortgage on a house. It provides members with fixed payments and no interest rate changes. This loan is commonly used to pay off high interest rate debt or for expenses needed for a specific purpose at one time.

 

Note: Rates, terms and conditions are subject to change. Maximum Annual Percentage Rate (APR) on 10-Year Interest Only Lines is 18% and 14% on Traditional Lines. Minimum Annual Percentage Rate (APR) on 10-Year Interest Only Lines is 3.75%. All loans subject to credit approval. Special circumstance loans may take longer than 30 days to fund. See disclosures for complete terms and conditions. Caltech Employees Federal Credit Union is an Equal Housing Lender and Equal Opportunity Lender.