Mortgage GET A LOAN | MORTGAGE MORTGAGEWORK WITH MORTGAGE EXPERTS WHO CALL OHIO HOME We have a variety of home loan solutions for our members all across Ohio. Whether you are purchasing your first home, looking to save more each month, or simply want some extra cash in your wallet, we want you to be happy at home. Talk with our in-house mortgage experts about your next home purchase or mortgage refinance. ADJUSTABLE RATE MORTGAGE3/1 As low as 5.875%1 FIXED RATE MORTGAGE15 Years As low as 6.625% (6.708% APR)2 FIXED RATE MORTGAGE30 Years As low as 7.375% (7.428% APR)2 MORTGAGE OPTIONSFIXED FIRST MORTGAGE A fixed rate mortgage has a secure rate, principal, and interest payment for the life of your loan. You have the option of a loan with a shorter term for a lower interest rate or a loan with a longer term for lower monthly payments. We offer terms ranging from 10 years to 30 years with no prepayment penalties. GET STARTED NOWADJUSTABLE RATE MORTGAGE An adjustable rate mortgage offers the flexibility of a fixed rate for the first 3 or 5 years and then the rate can adjust. This allows you to have a lower interest rate than a fixed rate mortgage. An adjustable rate mortgage can be a great option if you are only going to be in a home for a short period of time or if you are looking to have a lower payment up-front. GET STARTED NOW3% DOWN PAYMENT FIXED FIRST MORTGAGE Designed for credit-worthy, low-to-moderate income borrowers looking to purchase a home. This mortgage loan allows for as little as a 3% down payment that includes a flexible source of funds for closing costs such as gifts and grants. Fixed terms for up to 30 years are available. GET STARTED NOWFHA MORTGAGE An FHA loan gives the borrower multiple benefits, such as low down payments (as little as 3.5%), low closing costs, low rates, and an easy qualifying process. Popular with young professionals and first-time home buyers, FHA mortgage loans allow the borrower to get the funds necessary to close from several sources. They include such areas as personal savings, gifts, grants, loans from retirement accounts and seller contributions. GET STARTED NOWMORTGAGE REFINANCE Homeowners often dread refinancing a mortgage because of two words: closing costs. That’s why we keep both our mortgage refinance interest rates and closing costs surprisingly low. Whether you want to lower your monthly payment or just build equity faster by shortening your loan term, a hassle-free Ohio Catholic FCU mortgage refinance is at your door! GET STARTED NOW Talk With Us Call (216) 478-0067 or chat live online during business hours. CALL US Get A Quote It only takes a minute to request a loan quote. We’ll contact you to discuss your options. GET A QUOTE Apply Online Submit your loan application online from your device. APPLY ONLINE Make the Most of Your Money With Ohio Catholic Discover how you can unlock your money’s potential and achieve your financial goals with the help of the Ohio Catholic Federal Credit Union! SEE ALL THE POSTS ATM Disruption Notice for Garfield Heights BranchATM SERVICE DISRUPTION NOTICE FOR THE GARFIELD HEIGHTS BRANCH A new ATM is scheduled for installation September 27 […]Technical Difficulty with App and Online BankingWe are experiencing technical difficulty with our mobile app and online banking. Please contact the Member Services Call […]Financial Education Resources – National Credit Union Association SEE ALL THE POSTS Every experience I’ve had dealing with OCFCU has been excellent. Everyone is always very helpful and courteous. Allison S.,OCFCU Member Consistently competitive rates and outstanding customer service. Michael S.,OCFCU Member Banking is easy and pleasant. The tellers are very accommodating and well-educated. Bernadette L.,OCFCU Member Math is Hard (Sometimes) Let us help you crunch the numbers with our financial calculators. LEARN MORE