Mortgage Center

Whether you are a first time home-buyer, or looking to refinance your existing mortgage, you can count on the knowledgeable staff at LRRCU to find the best mortgage for you. Read more about our mortgage programs below, or click here to enter Mortgage Center.

Mortgage Loans

LRRCU offers fixed-rate mortgages to help you get into the home you’ve been dreaming of at a price you can afford. LRRCU offers lower rates and fees than many other lenders, and our dedicated mortgage consultant will help you through the entire process. Get started today by calling 717-295-6685 or click here.

1st Mortgage Program

We offer a variety of different mortgages with great rates and easy plans. You can also receive a pre-approval, which assists you in determining the house you can afford and puts you ahead of the competition. Ask our member service representatives for more information today at or 717-295-6685.

Types of Mortgages offered:

  •  Conventional – Purchase and Refinance
  •  FHA – Purchase and Refinance
  •  PHFA – Purchase and Refinance
  • VA – Purchase and Refinance
  •  USDA  - Purchase and Refinance

First Mortgages Rates

30 Year Conventional Fixed4.25%0 points
15 Year Conventional Fixed3.25%0 points

APR = Annual Percentage Rate / DTI = Debt to Income Ratio
*Rates & Terms are Determined by Credit Score & Subject to Change Without Notice

To learn more about the best program for you, click here.

Home Equity Loans

Apply Now

primerewardsLRRCU is your source for an affordable home loan in PA. Your home can be a convenient source of cash you can use anytime for anything from vacations, major purchases, and unexpected expenses, to bill consolidation and more. Best of all, the interest on a home equity loan is often tax deductible. (Consult your tax advisor.)

We offer a home equity line of credit (HELOC) or a fixed loan, both allowing you to tap into your home’s value at an affordable rate. The LRRCU HELOC offers the unique convenience of MasterCard access, making all those trips to the hardware store a bit easier.

Home Equity Line of Credit (HELOC)

LRRCU’s HELOC offers you the convenience of a pre-approved line of credit which you can use as you need and only pay interest on the current balance!

  • Variable rate options
  • Interest may be tax-deductible (consult your tax advisor)
  • Competitive rates
  • Convenient MasterCard access
  • Up to 90% financing

Home Equity Line of Credit Rates

ScorePrime +/-Variable Rate
680—699Base Prime4.00%
< 5991.00%4.25%

APR = Annual Percentage Rate / DTI = Debt to Income Ratio
*Rates & Terms are Determined by Credit Score & Subject to Change Without Notice

Fixed Home Equity Loan

If your plans call for readily available capital, a fixed-rate Home Equity Loan may be the perfect fit for you!

  • Stable, fixed rates with affordable payments
  • Competitive rates
  • Up to 90% financing
  • Flexible terms up to 15 years

Fixed Rate 2nd Lien Home Equity Loans Rates

Score60 Month APR120 Month APR180 Month APR
< 5995.00%6.00%7.00%

APR = Annual Percentage Rate / DTI = Debt to Income Ratio
*Rates & Terms are Determined by Credit Score & Subject to Change Without Notice

To apply for a home equity loan, click here. Or contact us at 717-295-6685 or

Home Insurance Options Provided By Liberty Mutual:

Savings you can count on: As a member of Lancaster Red Rose Credit Union, you could save hundreds of dollars a year on car and home insurance with Liberty Mutual. Liberty Mutual Local Representative: Anita Carlevale LUTCF 1850 William Penn Way, Suite 104 Lancaster, PA 17601   717-443-8780 Fax #1-888-556-5569

Additional Resources:

Need help calculating the affordability of purchasing a home? Use our mortgage calculator. Is your credit up to par? Find out for free at FREE LRRCU Credit Review