BCSB Mortgage Rates

We offer a variety of low-rate mortgage options, whether you are looking to purchase a home, refinance your current home, construct a new home or utilize the equity in your home -- let BCSB help you find the product that fits your needs! We offer a variety of mortgage options, each with its own unique structure and benefits.



Fixed Rate Mortgages

  30 Year 20 Year 15 Year 10 Year
Rate 7.500 7.375 7.125 7.125
APR* 7.547 7.437 7.203 7.237






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Rates last updated September 26, 2023 at 9:04.

Rates are not guaranteed and are subject to change without notice. Rates are current as of the date and time posted above and may not be valid after 4pm on weekdays or on weekends. 


*The annual percentage rates (APRs) and monthly principal and interest (P&I) payments shown are based on the following assumptions:

  • Purchase transaction
  • Credit score 740
  • 25% down payment
  • $100,000.00 loan amount
  • Finance charges include underwriting fee, tax service fee, tax transcripts fee, flood monitoring fee, credit risk assessment fee, .25 loan level price adjustment
  • An escrow account will be established for the collection and payment of real estate taxes and hazard insurance premiums, which will increase your total monthly payment

The rates shown are for conforming, conventional loans. Rates may differ for other loan programs.

Conventional 2023 Conforming Loan Limits:
Units (1) $726,200 (2) $929,850 (3) $1,123,900 (4) $1,396,800. 

Borrowers may have additional third-party fees associated with the mortgage application and closing as applicable: appraisal fee, flood determination fee, credit report fee, title insurance fees, courier fees, recording fees, inspection fees. Private Mortgage Insurance required if less than 20% down payment.