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Fixed Rate Mortgages

Fixed Rate Mortgage

Buying a home is one of the biggest decisions you'll make in your lifetime, and getting a Fixed Rate Mortgage allows you to plan for your future with confidence. Our Fixed Rate Mortgages offer stability, flexibility, and peace of mind, whether you're purchasing your dream home or refinancing your current one.

With competitive rates and personalized service, you can count on us every step of the way.

Fixed Rate Mortgages


  • Stable, predictable monthly payments for the life of your loan.
  • Protection from rising interest rates, providing peace of mind.
  • Choose from a variety of term lengths—10, 15, 20, or 30 years.

Why Choose SCU Credit Union?


We service mortgages locally, meaning your loan stays with SCU Credit Union—from origination to servicing. 

We proudly serve local communities, offering convenient locations in Sharon, Mansfield, North Attleboro, Foxboro, East Walpole, Taunton (two branches), and Brockton (four branches). Our team is ready to help you achieve homeownership with competitive rates, no hidden fees, and unmatched personalized support.

The right mortgage lender can make all the difference.

Not all mortgage rates and fees are created equal, and taking the time to compare can lead to significant savings over the life of your loan. Our loans are serviced in-house, ensuring that help is always nearby when you need it. As trusted local lenders who understand the market, we are dedicated to providing personalized support every step of the way. Let us help you turn your homeownership dreams into reality.

Mortgage pre-approval made easy

Get pre-approved with SCU Credit Union's Smart Start Program. Down payments starting at 3%, up to $1,000 closing costs credit, and fast processing.

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Mortgage Payment Calculator

Mortgage Payment Calculator

Understanding how much you can afford each month is one of the first steps to making that dream a reality. This easy-to-use budgeting tool helps you calculate your monthly mortgage payment, giving you a clear picture of what fits comfortably within your budget.  Try our mortgage calculator today and take a step closer to homeownership!

Realtor showing a home to a young couple
Lock Now, Lower Later

Float down your interest rate once, at no additional cost.

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Mortgage | Frequently Asked Questions

  • Can I refinance an ARM with SCU Credit Union if my needs change?

    Absolutely. SCU Credit Union offers refinancing options to help you find the best solution as your financial situation evolves.

  • Can I use a Fixed Rate Mortgage to refinance my current home?

    Yes! Fixed Rate Mortgages are available for both purchasing a home and refinancing an existing mortgage.

  • How can a Fixed Rate Mortgage benefit me?

    Fixed Rate Mortgages protect you from fluctuating interest rates, making budgeting easier and offering long-term financial stability.

  • What is a Fixed Rate Mortgage?

    A Fixed Rate Mortgage is a home loan with an interest rate that remains the same for the life of the loan, providing consistent monthly payments.

  • What happens when the introductory rate on my ARM adjusts?

    After the introductory period, your ARM interest rate will adjust periodically based on market conditions. The rate could go up or down, affecting your monthly payment.

    Our local mortgage consultants provide personalized service to help you choose the best loan option and guide you through the entire process. 

  • What are the benefits to Fixed vs. Adjustable Rate Mortgages?

    Fixed Rate Mortgages allow you to lock in a rate and payment for the term of your mortgage. If you plan to stay in your home for 10 years or more and/or prefer to have fixed, consistent payments then a Fixed Rate Mortgage may be beneficial to you.

    Adjustable Rate Mortgages offer a lower initial rate subject to adjustment after the fixed term. This type of mortgage would be beneficial to you if you only plan to stay in your home for a few years. This would also be a better option for you if you prefer to get a low monthly rate at the beginning of your loan.