YOUR BEST RATE IN YEARS

The Best Rate in Years Do Not Come From a Bank

Rates Just Hit Below 6% for the First Time Since 2022* Whether you’re purchasing, refinancing, or stepping into your first home with just 3% down, this shift in the market could mean real savings on your monthly payment.

But here’s the difference:

We don’t make you pay points to get a low rate.
We don’t bury costs in the fine print.
We don’t play pricing games.

Just the lowest conventional rate we've offered in years. Transparent, straightforward, and built for our members.

If you’ve been waiting for rates to move, this is your moment.

APPLY NOW

This Is What Banking for People Looks Like

No Buydowns. No Fine Print. No Games. The rate you see is the rate you get. No points purchased to make the number look better. No last-minute surprises. Just a straightforward rate you can actually plan around.

Member-Owned. Not Shareholder-Driven. When a big bank profits, that money goes to shareholders. When CWCU does well, it comes back to you. As a member-owned credit union, we reinvest our earnings directly into our members. That means offering the lowest rates we possibly can, with fewer fees and every decision made with your best interest in mind.

Real People. Right Here in Your Community. You'll work with a local loan expert who knows your name and understands your goals. Not a call center. Not a revolving door. Just someone in your corner, from start to finish.

APPLY NOW

Your Mortgage Experts

Let’s Run the Numbers Together - If you’re buying, refinancing, or just exploring your options, a short conversation can help you understand what’s possible.


    • Headshot of Alex Singletary

      Alex Singletary

      NMLS: 2692366

      541-497-8507

      [email protected]

      With five years of lending experience in banking and credit unions, Alex prioritizes a member-first approach to mortgages. Outside work, he enjoys golfing, time with his wife and kids, and solving a Rubik’s Cube in under two minutes.


    • Headshot of Susan Wack

      Susan Wack

      NMLS: 764472

      503-580-8084

      [email protected]

      Sue has 26 years of mortgage industry experience and has received multiple awards for outstanding service. She cares deeply for her community, holding leadership roles in various organizations. Outside of work, she enjoys singing with the Willamette Master Chorus.

Disclosure

*Source: The Wall Street Journal, Mortgage Rates Fall Below 6% for the First Time Since 2022

Rates, terms, and conditions are subject to change at any time without notice. Actual rate, Annual Percentage Rate (APR), payment amount, and cost savings will vary based on credit profile, loan amount, loan-to-value, property type, occupancy, and loan purpose. Not all applicants will qualify for the lowest rates. This is not a commitment to lend. All loans are subject to appraisal, title review, and other standard underwriting conditions.

Offer is available only on first-lien, owner-occupied 1–4 family residential properties (excludes investment properties and second homes) and may be limited to certain mortgage products and terms as determined by Central Willamette Credit Union. Additional restrictions may apply. Contact us for current rates, eligible products, and full details. Membership with Central Willamette Credit Union is required.

NMLS ID 408851. Equal Housing Lender.