Find the right mortgage for purchases and refinances

Come home to a better mortgage from Sikorsky Credit Union. Whether you're a first-time buyer or a longtime owner, you'll benefit from our competitive rates.

Loans are subject to approval. Rates and loan terms offered are subject to change without notice. Final rate is determined based on creditworthiness.

Advantage Mortgages
Effective Date: February 26, 2024
Product Rate APR Points Details
8 Yr. Advantage Mtg.5.240%5.351%0.000Terms and Conditions
12 Yr. Advantage Mtg.5.490%5.568%0.000Terms and Conditions
Adjustable Rate Mortgages
Effective Date: February 26, 2024
Product Rate APR Points Details
5/5 ARM5.625%6.560%0.000Terms and Conditions
10/1 ARM6.125%6.703%0.000Terms and Conditions
Fixed Rate Mortgages
Effective Date: February 26, 2024
Product Rate APR Points Details
30 Yr. Fixed6.490%6.525%0.000Terms and Conditions
20 Yr. Fixed6.375%6.421%0.000Terms and Conditions
15 Yr. Fixed5.750%5.806%0.000Terms and Conditions
Home Equity*
Effective Date: September 1, 2023
Product Rate APR Points
5 Yr. HEFIX (80% CLTV)6.240%6.240%0.000
5 Yr. HEFIX (100% CLTV)8.240%8.474%0.000
10 Yr. HEFIX (80% CLTV)6.490%6.490%0.000
10 Yr. HEFIX (100% CLTV)8.490%8.618%0.000
15 Yr. HEFIX (80% CLTV)6.990%6.990%0.000
15 Yr. HEFIX (100% CLTV)8.990%9.084%0.000
20 Yr. HEFIX (80% CLTV)7.490%7.490%0.000
20 Yr. HEFIX (100% CLTV)9.490%9.569%0.000
HELOC (80% CLTV)8.500%8.500%0.000
HELOC (100% CLTV)11.000%11.084%0.000

*5 Yr. HEFIX (80% CLTV)
The information provided is based on a $100,000 home equity loan in second lien position. The property is located in Stratford, Fairfield county in the State of CT. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. This assumes that the total of all existing mortgages does not exceed 80.00% of the property value.

At a 6.240% interest rate, the APR for this loan type is 6.240%. The monthly payment schedule would be:

  • 60 payments of $1,944.46 at an interest rate of 6.240%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums and the actual payment obligation will be greater.

5 Yr. HEFIX (100% CLTV)

The information provided is based on a $100,000 home equity loan in second lien position. The property is located in Stratford, Fairfield county in the State of CT. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. This assumes that the total of all existing mortgages does not exceed 100.00% of the property value.


At a 8.240% interest rate, the APR for this loan type is 8.474%. The monthly payment schedule would be:

  • 60 payments of $2,039.14 at an interest rate of 8.240%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums and the actual payment obligation will be greater.

$550 origination fee will apply.

10 Yr. HEFIX (80% CLTV)
The information provided is based on a $100,000 home equity loan in second lien position. The property is located in Stratford, Fairfield county in the State of CT. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. This assumes that the total of all existing mortgages does not exceed 80.00% of the property value.

At a 6.490% interest rate, the APR for this loan type is 6.490%. The monthly payment schedule would be:

  • 120 payments of $1,134.97 at an interest rate of 6.490%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums and the actual payment obligation will be greater.

10 Yr. HEFIX (100% CLTV)

The information provided is based on a $100,000 home equity loan in second lien position. The property is located in Stratford, Fairfield county in the State of CT. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. This assumes that the total of all existing mortgages does not exceed 100.00% of the property value.


At a 8.490% interest rate, the APR for this loan type is 8.618%. The monthly payment schedule would be:

  • 120 payments of $1,239.32 at an interest rate of 8.490%.

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums and the actual payment obligation will be greater.

$550 origination fee will apply.

15 Yr. HEFIX (80% CLTV)
The information provided is based on a $100,000 home equity loan in second lien position. The property is located in Stratford, Fairfield county in the State of CT. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. This assumes that the total of all existing mortgages does not exceed 80.00% of the property value.

At a 6.990% interest rate, the APR for this loan type is 6.990%. The monthly payment schedule would be:

  • 180 payments of $898.27 at an interest rate of 6.990%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums and the actual payment obligation will be greater.

15 Yr. HEFIX (100% CLTV)

The information provided is based on a $100,000 home equity loan in second lien position. The property is located in Stratford, Fairfield county in the State of CT. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. This assumes that the total of all existing mortgages does not exceed 100.00% of the property value.


At a 8.990% interest rate, the APR for this loan type is 9.084%. The monthly payment schedule would be:

  • 180 payments of $1013.67 at an interest rate of 8.990%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums and the actual payment obligation will be greater.

$550 origination fee will apply.

20 Yr. HEFIX (80% CLTV)
The information provided is based on a $100,000 home equity loan in second lien position. The property is located in Stratford, Fairfield county in the State of CT. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. This assumes that the total of all existing mortgages does not exceed 80.00% of the property value.

At a 7.490% interest rate, the APR for this loan type is 7.490%. The monthly payment schedule would be:

  • 240 payments of $804.98 at an interest rate of 7.490%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums and the actual payment obligation will be greater.

20 Yr. HEFIX (100% CLTV)

The information provided is based on a $100,000 home equity loan in second lien position. The property is located in Stratford, Fairfield county in the State of CT. The property is an existing single family home and will be used as a primary residence. The rate lock period is 60 days and the assumed credit score is 740. This assumes that the total of all existing mortgages does not exceed 100.00% of the property value.

At a 9.490% interest rate, the APR for this loan type is 9.569%. The monthly payment schedule would be:

  • 240 payments of $931.48 at an interest rate of 9.490%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums and the actual payment obligation will be greater.

$550 origination fee will apply.

HELOC (80% CLTV)
The information provided is based on a $100,000 home equity loan in second lien position. The property is a single-family home to be used as primary residence and located in Stratford, CT, Fairfield County. Applications are subject to appraisal, underwriting and credit approval. Owner-occupied single-family/condominiums in Connecticut only. The minimum line of credit is $25,000 and maximum Loan-To-Value is 80%. Rates assume minimum credit score of 720.

Interest Rate/APR: Variable APR based on current WSJ prime published on first day of each month. If prior month ending balance is >=$25,000, your HELOC rate will be WSJ Prime -.50%. The HELOC rate is WSJ Prime + 0.00% if prior month ending balance is below $25,000.
Payment: Interest only payment required (based on balance) during the first 10 years. After ten years, line is closed and balance is amortized (principal and interest payments) for 10 years.
Term: Total term: 20 years. During first ten years: line open for draws. After ten years, line is closed and balance is amortized for ten years. No closing costs or annual fee.
Balance Due at End of Loan Term: 
Closing Fees: $0.00
Annual Fee: $0.00

HELOC (100% CLTV)
The information provided is based on a $100,000 home equity loan in second lien position. The property is a single-family home to be used as primary residence and located in Stratford, CT, Fairfield County. Applications are subject to appraisal, underwriting and credit approval. Owner-occupied single-family/condominiums in Connecticut only. The minimum line of credit is $25,000 and maximum Loan-To-Value is 100%. Rates assume minimum credit score of 720.

Interest Rate/APR: Variable APR based on current WSJ prime published on first day of each month. The HELOC rate is WSJ Prime + 2.50% Payment: Interest only payment required (based on balance) during the first 10 years. After ten years, line is closed, and balance is amortized (principal and interest payments) for 10 years.
Term: Total term: 20 years. During first ten years: line open for draws. After ten years, line is closed and balance is amortized for ten years. No closing costs or annual fee.

$550 origination fee will apply.

Sikorsky Credit Union has been named the #1 Credit Union in CT for the past four years and offers membership to those living, working, volunteering or worshiping in Fairfield, New Haven & Hartford counties.

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