The Cardinal Credit Union is a mortgage from Cardinal Credit Union. The ongoing APR is Rate 6.825%, APR 7.045% (Purchase Rates and Refinance Rates). APRs based on $150,000 loan amount to Single Family Primary Detached Residence with 25% down payment and a 780+ FICO and Debt to Income ratio not to exceed 40.00%.. Loan terms: 20 Year.