Whether you’re buying your first home, refinancing, or using your equity, Kohler Credit Union offers flexible home loan options with competitive rates and personalized guidance—so you can feel confident every step of the way.
Save money while giving you financial flexibility for whatever comes next with our 7/1 Adjustable-Rate Mortgage (ARM).
Take advantage of rates as low as 5.250% | 5.814% APR6 - a great opportunity to reduce your interest costs and free up funds for the things that matter most.
Your home goals are unique—your financing should be too. Kohler Credit Union offers a range of home loan solutions to fit every stage of homeownership, from buying to borrowing against your home’s equity.
Finance your new home with confidence. Choose from fixed or adjustable-rate mortgage options, competitive local rates, and expert guidance every step of the way.
Use your home’s equity to fund what matters most. Whether you prefer a lump-sum loan or flexible line of credit, you’ll get affordable rates and trusted local service.
Specifically designed for first-time homebuyers, Kohler Credit Union now offers fixed and adjustable mortgage options for those looking to purchase their first home.
Lower your monthly payment, shorten your loan term, or tap into your home’s equity. Kohler Credit Union helps make refinancing simple and beneficial for your budget.
Home financing is more than a transaction, it’s a partnership. Kohler Credit Union brings nearly a century of community trust and financial expertise to help members achieve their home goals with confidence.
We offer great rates, flexible terms, and a variety of loan programs designed to meet your financial needs and long-term goals.
Your goals—not shareholder profits—guide every decision we make. That means better rates, honest guidance, and a focus on helping you succeed.
From first conversation to closing day, we keep your loan process simple, transparent, and stress-free—with experienced lenders ready to guide every step
Take the first step toward your financial goals. Start your application online or schedule a consultation to find the home loan that’s right for you.
| Mortgage Rates | ||||
|---|---|---|---|---|
| Term | Rate 3 | APR 4 | Points 5 | PMT 2 |
| 10/1 ARM 1 | 6.250% | 7.325% | 0.00% | $6.16 |
| 7/1 ARM 1 | 6.000% | 7.494% | 0.00% | $6.00 |
| 5/1 ARM 1 | 5.750% | 7.634% | 0.00% | $5.84 |
| 3/1 ARM 1 | 5.625% | 7.855% | 0.00% | $5.76 |
| 30 Year Fixed | 6.375% | 6.484% | 0.00% | $6.28 |
| 20 Year Fixed | 6.125% | 6.268% | 0.00% | $7.24 |
| 15 Year Fixed | 6.000% | 6.179% | 0.00% | $8.45 |
| Promotion 7/1 ARM 6 | 5.250% | 5.814% | 0.00% | $5.52 |
| Promotion 10/1 ARM 6 | 5.500% | 5.855% | 0.00% | $5.68 |
1Published rate may be adjusted based on credit score and down payment. ARMs require 5% minimum down payment. Rate adjustment could occur after the initial term (1, 3, 5, 7, or 10 years) and annually thereafter based on the UST1YW as published in the Wallstreet Journal; loan rate is calculated by adding a margin of 2.75%. Rate will not increase more than 2% in any given year and not more than 6% total over the loan term on 1, 3, or 5 year ARM. Rate will not increase more than 5% in any given year and not more than 5% total over the loan term on 7 or 10 year ARM. No conversion option. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value. Non-refundable application deposit of $599 is collected after the intent to proceed is signed. Available on single family, detached homes, owner-occupied upon completion. Additional restrictions may apply. Rates and terms are subject to change at any time and without notice.
2To calculate estimated monthly payment, multiply the payment amount shown by the mortgage amount in thousands. For example, 30-year 6.375% loan for $100,000 would be: 100 X $6.24= $624 per month. All rates and terms are subject to change without notice. Actual payments will be higher with taxes, insurance, and private mortgage insurance if required.
3Rates are based on Purchase money transactions, refinance terms are also available as not all programs are shown. For more information, please contact a Kohler Credit Union Mortgage Originator. Actual payments will be higher with taxes, insurance, and private mortgage insurance if required. Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value. Non-refundable application deposit of $599 is collected after the intent to proceed is signed. Private Mortgage Insurance (PMI) required for loans with less than 20% down.
4Annual percentage rate (APR) refers to the yearly interest generated by a sum that's charged to borrowers or paid to investors. APR is expressed as a percentage that represents the actual yearly cost of funds over the term of a loan or income earned on an investment. This includes any fees or additional costs associated with the transaction but does not take compounding into account. The APR provides consumers with a bottom-line number they can compare among lenders, credit cards, or investment products.
5A mortgage point equals 1 percent of your total loan amount — for example, on a $100,000 loan, one point would be $1,000. Mortgage points are essentially a form of prepaid interest you can choose to pay up front in exchange for a lower interest rate and monthly payments (a practice known as “buying down” your interest rate). Typically, you would buy points to lower your interest rate on a fixed rate mortgage. Buying points for an ARM only provides a discount on the initial fixed period of the loan and isn't generally done. Because you’re paying more up front, the reduced interest rate will only save you money over the long term. The longer you plan to own your new home, the better the chance that you’ll reach the “break-even” point where the interest you've saved compensates for your initial cash outlay. If you have a shorter-term plan, have limited cash, or would benefit more from a bigger down payment, paying points may not benefit you. A Kohler Credit Union Mortgage Loan Originator can help you decide whether paying points is an option for you.
6 Requires $40,000 minimum new money to Kohler Credit Union.
