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!

• 5-Year Re-price – One of a kind program for members who want added payment stability and lower monthly expense.  This program stays fixed for 5 years with no negative amortization.  Also, you are protected by a 2% cap every 5 years and a 5% lifetime cap.  So, you can afford more home from the outset, with the assurance that your payments will remain affordable.
• 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.

  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.