Our branches will be closed on Friday, April 18 in observance of Good Friday. Fort Wayne branches will be open for normal Saturday hours while all Fort Financial branches will reopen for normal business hours on Monday, April 21. As a reminder, you can always access your account 24/7 with online and mobile banking. For a list of our observed holidays and processing schedule, click here.

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Mortgage Rates

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Mortgage Rates (Fixed)
Effective Date: Friday, April 18th, 2025
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
Fixed Rate Loans
Conforming and Government
Mortgage RateAnnual Percentage Rate (APR)
30-Year Fixed 7.000% 7.197%
20-Year Fixed 6.500% 6.752%
15-Year Fixed 6.250% 6.563%
30-Year USDA 7.250% 8.043%
Home Ready 7.250% 7.450%
1-Time Construction (Other) 7.000% 7.198%
30-Year FHA 7.125% 8.216%
30-Year VA 6.750% 7.099%
Lot loans - Please contact our morgtage department for rates

Mortgage Rates (Adjustable)
Effective Date: Friday, April 18th, 2025
Subject to change. Rates are calculated based on loan purpose, loan-to-value, loan term, loan amount and credit score. See Assumptions and APR section for the pricing scenario for these rates.
Adjustable-Rate MortgagesMortgage RateAnnual Percentage Rate (APR)
30-Year 1/1 ARM 5.875% 6.059%
15-Year 1/1 ARM 5.750% 6.058%
30-Year 3/1 ARM 6.250% 6.439%
15-Year 3/1 ARM 6.125% 6.437%
30-Year 5/1 ARM 6.500% 6.691%
15-Year 5/1 ARM 6.625% 6.941%
30-Year 5/5 ARM 6.625% 6.818%
15-Year 5/5 ARM 6.500% 6.815%
30-Year 7/1 ARM 6.625% 6.818%
15-Year 7/1 ARM 6.500% 6.815%

Home Equity Rates
Effective Date: Friday, April 18th, 2025
Subject to change. All rates shown as Annual Percentage Rate (APR).
intentionally empty table headerHome Equity LoanHome Equity Visa Line of Credit*
Amount $5,000 minimum $5,000 minimum
Annual Percentage Rate (APR) As low as 6.74% APR Prime rate + 0% variable rate with 5.99% floor
Early Closure Fee   Fee charged equal to closing fees if closed in the first two years
*Interest rate is adjusted annually.