The Ideal Loan For Your Dream Home

Featured Mortgage Rates

30 Year Fixed

Rate APR
5.875% 6.013%

30 Year Refinance

Rate APR
6.125% 6.285%

15 Year Fixed

Rate APR
5.500% 5.729%

20 Year Home Equity

Rate APR
7.000% 7.180%

APR is the annual percentage rate.  For complete rates, terms and disclosures please download the rate sheet.

Conventional Mortgage

  • Your loan starts here. You talk directly to your lender.
  • Your loan stays here. We don’t sell your loan.
  • As little as 3% down.  Finance up to 97% of your home’s value.**
  • Our team of experienced lenders set us apart.
  • Questions? You can always talk to a local person.
  • First time home buyer and USDA rural housing loan options available.**
  • Yakima Federal does not sell your information to any third party for marketing purposes.

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**     Subject to qualifications, approval and availability

New Construction

  • Construction – to – Permanent Financing
  • Local Processing & Underwriting
  • In-House Construction Inspections & Draws
  • Lock Your Interest Rate Up Front
  • Finance up to 90% of Build Costs, including lot with approved builder.
  • We won’t sell your loan

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Fixed Rate Home Equity Loans

  • Fixed interest rate
  • Use the equity in your home to make home improvements, buy a car, take a vacation, or pay off high interest credit cards.
  • Affordable monthly payment spread over a fixed period of time
  • Pay only third party fees on our home equity loan.

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Preferred Line of Credit

  • Variable rate loan that allows you the convenience of using the equity in your home as a revolving line of credit.
  • Pay off those credit cards, buy a car, or take the vacation by writing a check!
  • No annual fee

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