Loan Rates
The rates below are current for November 2026.
LCEF Partner Rate
| 6.375% |
Ministry Loans
| Loan Type | Rate |
|---|---|
| LCEF Partner Rate Monthly, Quarterly or Annually - Adjustable | 6.375% |
| New Start - Adjustable | 6.00% |
| Specialized Ministry - Adjustable | 3.625% |
| 5- and 10-Year Fixed Rate Balloon, 2% Prepayment Penalty (subject to availability of funds) | Call for fixed rates |
| Loan Type | Rate |
|---|---|
| LCEF Partner Rate Monthly, Quarterly or Annually - Adjustable | 6.375% |
| Call for fixed-rate options |
| Loan Type | Rate |
|---|---|
| LCEF Partner Rate Monthly, Quarterly or Annually - Adjustable | 6.375% |
| Call for fixed-rate options |
RCW Loans
| Loan Term | Down Payment | Rate | APR | Monthly Payment |
|---|---|---|---|---|
| 30-year fixed rate | 20% down payment | 6.500% | 6.641% | $949 |
| 10% down payment | 6.625% | 6.767% | $961 | |
| 5% down payment | 6.750% | 6.893% | $973 | |
| 15-year fixed rate | 20% down payment | 6.250% | 6.481% | $1,287 |
| 10% down payment | 6.375% | 6.607% | $1,297 | |
| 5% down payment | 6.500% | 6.733% | $1,307 | |
| 10-year ARM rate | 10% down payment | 6.375% | 6.515% | $936 |
| 5% down payment | 6.625% | 6.767% | $961 | |
| 7-year ARM rate | 10% down payment | 6.250% | 6.389% | $924 |
| 5% down payment | 6.500% | 6.641% | $949 |
RCW Residential Loans:
The rates and monthly payments shown are based on a loan amount of $150,000 and does not include property taxes and insurance. The above rates, APRs and monthly payments may change at any time. The rates listed assume you have a credit score of 710+.
Effective March 2, 2020, unless otherwise disclosed to existing loan customers, all interest rate adjustments on ARM loans are based on the One Year Constant Maturity Index.
The 7-year Adjustable Rate Mortgage (ARM) and 10-year ARM loan products are variable rate loans and the interest rate may increase after consummation of the loan. For the 7-year ARM, the interest rate will never increase or decrease more that 4.0% from the initial rate during the term of the loan. For the 10-year ARM, the interest rate will never increase or decrease more than 5.0% from the initial rate during the term of the loan. In addition, each change frequency (occurring each year) will not allow more than a 2.0% increase or decrease from the previous rate. APR= Annual Percentage Rate. The APR is a uniform measurement of the cost of a loan, including interest and financed costs of closing, expressed as a yearly percentage rate.
| Loan Term | Rate | APR | Monthly Payment |
|---|---|---|---|
| 5 years | 6.875% | 7.384% | $988 |
| 10 years | 7.875% | 8.153% | $604 |
| 15 years | 8.375% | 8.578% | $489 |
RCW Home Equity Loans:
The rates and monthly payments shown are based on a loan amount of $50,000 and does not include property taxes and insurance. The above rates, APRs and monthly payments may change at any time. The rates listed assume you have a credit score of 710+.
APR = Annual Percentage Rate. The Annual Percentage Rate is a uniform measurement of the cost of a loan, including interest and financed costs of closing, expressed as a yearly percentage rate.
APR = Annual Percentage Rate. The Annual Percentage Rate is a uniform measurement of the cost of a loan, including interest and financed costs of closing, expressed as a yearly percentage rate.