Twin Oak mortgage products will help open the door to your new home.

The 'Prime Buster Mortgage'

This variable-rate, 5 year closed mortgage offers you an interest rate lower than the Prime Rate. You also have an option at any time to lock into a fixed-rate mortgage with a term no less than the remaining term of the mortgage at a guaranteed rate of ½% below our posted rates.

Your interest rate is guaranteed to be 1.75% below the Prime Rate for the first 6 months and 0.25% below the Prime Rate during the rest of the term. We set the payment at the 3 year rate to ensure that the interest does not exceed the principle payment in times of interest rate increases.

Variable-Rate Open Mortgage

This mortgage lets you take full advantage of changing interest rates.

With this mortgage, the interest rate is calculated on the prime lending rate but your mortgage payments stay the same. We set the payment at the 3 year rate to ensure that the interest does not exceed the principle payment in times of interest rate increases.

Fixed-Rate Closed Mortgage

This mortgage offers you the security of a fixed interest rate, so you'll always have the knowledge that your payments will be the same amount for the term of the mortgage.

Home Equity Line of Credit / MeritLine

Borrow up to 75% of the appraised value of your property and use it to finance your child's education, make home improvements, or to improve your investment portfolio. Apply only once and use it again and again for whatever you want.

• great low competitive variable rate
• interest only payments
• pre-approval and a guaranteed rate up to 90 days
• pay down at anytime, and reuse for whatever you want
• only pay interest on what you use
• one time legal and appraisal fees
• life and disability insurance available

Member Move

Twin Oak offers discount moving services for members buying or selling a home. Ask your member service representative for more details and save time and money on the moving day.