Third Federal Savings & Loan
Refinancing to a shorter term can add up to big savings.That's because with a shorter term, a lot more of your payment goes directly to principal (the actual value of your home). The difference in what you pay over the life of the loan is dramatic.
Rates for July 05, 2025
All Mortgage Rates 0 Points
| Product | Rate | APR |
|---|---|---|
| 10 Year Fixed Rate | 5.740% | 5.845% |
| 10 Year Low Cost Fixed Rate | 6.090% | 6.105% |
| Product | Rate | APR |
|---|---|---|
| 15 Year Fixed Rate | 5.840% | 5.914% |
| 15 Year Low Cost Fixed Rate | 6.140% | 6.150% |
| 5/1 ARM (15 year) | 6.090% | 6.718% |
| 5/1 ARM (15 year) Low Cost | 6.390% | 6.834% |
| 3/1 ARM (15 year) | 5.890% | 6.917% |
| 3/1 ARM (15 year) Low Cost | 6.190% | 6.973% |
Mortgage Refinance
At Third Federal, we provide genuinely low rates and closing costs without any tricks or undisclosed mark-ups.
Home Equity
With rates near an all-time low, a home equity line or loan is a great option if you’re looking to make a home improvement, buy a car, pay for college tuition, or consolidate high-interest debt, plus our rates are usually at least .25 percent below other lenders.
Borrowing Help Center
Get tips on smart borrowing, monitor rates, and learn about our home buying seminars.
