Residential Mortgage Rates - Locally-Retained Service
The rates, points and APRs shown below are quoted on conforming loan amounts of $100,000 to $484,350 for a single residence with a down payment of 20% or more and are subject to change without notice. Rate, points and APR may be adjusted based on several factors including but not limited to loan amount, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based upon information relating to these factors, which may be determined after you made application. NMLS ID 435120.
Please scroll left to view the rest of the account table
|Term||Rate %||Points||APR %||P&I*|
|30 Year Fixed||3.750||0||3.821||$4.63|
|20 Year Fixed||3.625||0||3.723||
|15 Year Fixed||3.125||0||3.177||$6.97|
|10 Year Fixed||3.125||0||3.201||$9.71|
Mortgage rates are current as of October 16, 2019, and are subject to change at any time. All rates are expressed as an Annual Percentage Rate or APR. Assumption: Single Family/Owner Occupied. *Monthly Principal and Interest (P&I) per $1,000 does not include amounts for taxes and insurance premiums; if applicable, the actual payment obligation may be greater.
Kim Lewis, 217.356.0933, NMLS ID: 1037817
Lane Nicolette, 217.356.0933, NMLS ID: 1590641
Jim McMurry, 217.356.0933, NMLS ID : 445430
Jack Wallace, 217.344.2265, NMLS ID : 1650853
YOUR FIRST FEDERAL CONSUMER AND COMMERCIAL LENDING TEAM
Consumer Loan Officer
NMLS ID: 445407
Ask me about co-op loans!
Commercial Loan Officer
NMLS ID: 445424
*First Federal's primary lending area is in Champaign County, Illinois.
Your Life. Your choice.
Earn more rewards for all your everyday purchases.1
3X the points
Grocery Stores Discount Stores Gas Stations Restaurants and Fast Food
1X the points
All other purchases
Apply Online Today for a Simply Rewards™ Visa® Credit Card Apply Now
We make it easy to redeem
Access your account to see how many points you’ve earned through online banking or your monthly statement at www.cardcenterdirect.com.
Redeem your reward points for Account Credits, Gift Cards, Travel, Entertainment and more.1
Additional Visa Benefits
Online Credit Card Control
Cardholder Self-Service Contacts
Online Account Access – www.cardcenterdirect.com Rewards Points Redemption – www.cardcenterdirect.com Customer Service – 1.800.821.5184
Cards issued by UMB Bank, n.a.
1Cardholders earn 3 points per dollar on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn 1 point per dollar on all other purchases. See Simply Rewards Rules for details.
2Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer. 3See the Rewards Rules and Guide to Benefits that accompany your card for details. Certain terms and conditions may apply.