LOAN TYPE	LOAN RATE
Signature/Unsecured	10.5% A.P.R.*
Up to 15 Years Motorhome, Boat Motorcycle	New: 6:45 A.P.R.* Used: 6.75 A.P.R.*
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Mortgage Product Rates and Terms:
Loan Approval: All applicants MUST meet loan approval criteria, which are based on credit history, debts, ability to repay, home ownership and home value.
The credit union loans 80% of the appraised value of the home.
Rates and terms quoted below are subject to change without notice and are effective as of July 1, 2012.

Owner Occupied 1st T.D.


Adjustable Rate		Estimated Payment **
Adjusts every 6 months ***	APR*	based on $400,000
30 years	3.50%	$1,796.18
25 years	3.50%	$2,002.19

Owner Occupied 1st T.D. Fixed


Fixed Rate		Estimated Payment **
	APR*	based on $300,000
15 years	3.75%	$2,181.67

Owner Occupied HELOC (Home Equity Line of Credit)


Home Equity		Estimated Payment **
Adjusts Quarterly ****	APR *	based on $100,000
15 years	4.95%	$788.19

Rental Real Estate Loan


1 to 4 units	Adjustable Rate
30 years	Terms and Rates Vary	Call for information

* Annual Percentage Rate.

**All payments exclude taxes and insurance.Property Insurance is required.Loan Processing fees, Title Insurance Policy and other closing costs can add up to approximately $2,400 on a loan of $400,000.

***Rate subject to change semi-annually. Rate change based on 11th district cost of funds index plus margin of 2.50%.There is a 5.00% lifetime Cap.

**** Rate subject to change quarterly.Rate change based on 11th district cost of funds index plus margin of 3.00%.There is a 5.00% lifetime Cap.

‡ Disclaimer: Every effort will be made to keep the figures on this website up to date, but sometimes changes have been made before the website is updated. Due to the often fluctuating financial market, and the CU's policy of rate changes to reflect earnings, etc., the figures on this website should be used for estimates only. Please contact the Credit Union prior to making any definite financial decisions. In the event of a discrepancy between what is written here and the actual figure quoted by the Credit Union, the Credit Union's stated figures shall prevail.