Real Estate Loan Rates

15 Year Fixed Rate 1st Trust Deed

Term (months)	Rate	APR*	Points
180	N/A	N/A	0

*Rates expressed as ANNUAL PERCENTAGE RATE (APR).   Property must be owner occupied primary residence located within California.  Maximum financing will not exceed 80% loan to value or $1,500,000.  The approximate payment for a $453,100 15 year term with a 3.75% rate is $3,295.04.  Rate & payment quoted does not include property taxes and insurance or closing costs.  There are no pre-payment penalties.  All rates subject to change without notice.  Every effort is made to ensure these rates are accurate.  The figures on this website should be used for estimates only.  Please contact the Credit Union for questions regarding the rates.

Adjustable Rate 1st Trust Deed

Term (months)	Rate	APR*	Points
300	N/A	N/A	0
360	N/A	N/A	0

*Rates expressed as ANNUAL PERCENTAGE RATE (APR).   Property must be owner occupied primary residence located within California.  Maximum financing will not exceed 80% loan to value or $1,500,000.  The approximate payment for a $453,100 30 year term with a 3.50% rate is $2,034.62.  Rate & payment quoted does not include property taxes and insurance or closing costs.  There are no pre-payment penalties.  Rates are based on the U.S. Treasury Securities-1YR CMT index plus a 2.50% margin with a lifetime cap of a 5.00% increase and a minimum floor of 2.75%.  The initial rate adjustment will not exceed 1.00% and rate adjustments will not exceed 2.00% per year.  Monthly payments may increase corresponding to changes to the rate.  All rates subject to change without notice.    Every effort is made to ensure these rates are accurate.  The figures on this website should be used for estimates only.  Please contact the Credit Union for questions regarding the rates.

Adjustable Rate 1st Trust Deed Vacation/2nd Home

Term (months)	Rate	APR*	Points
300	N/A	N/A	0
360	N/A	N/A	0

*Rates expressed as ANNUAL PERCENTAGE RATE (APR).   Property must be owner occupied located within California.  Maximum financing will not exceed 80% loan to value or $1,500,000.  The approximate payment for a $453,100 30 year term with a 3.50% rate is $2,034.62.  Rate & payment quoted does not include property taxes and insurance or closing costs.  There are no pre-payment penalties.  Rates are based on the U. S. Treasury Securities-1YR CMT index plus a 2.50% margin with a lifetime cap of a 5.00% increase and a minimum floor of 2.75%.  The initial rate adjustment will not exceed 1.00% and rate adjustments will not exceed 2.00% per year.  Monthly payments may increase corresponding to changes to the rate.  All rates subject to change without notice.  Every effort is made to ensure these rates are accurate.  The figures on this website should be used for estimates only.  Please contact the Credit Union for questions regarding the rates.

Adjustable Rate 1st Trust Deed Rental/Investment Property

Term (months)	Rate	APR*	Points
300	N/A	N/A	0
360	N/A	N/A	0

*Rates expressed as ANNUAL PERCENTAGE RATE (APR).   Non-Owner occupied property located within California.  Maximum financing will not exceed 75% loan to value for single family dwellings with $1,500,000 maximum financing.  2 – 4 Unit properties maximum financing will not exceed 70% loan to value with $2,500,000 maximum financing.  The approximate payment for a $453,100 30 year term with a 4.00% rate is $2,163.17.  Rate & payment quoted does not include property taxes and insurance or closing costs.  There are no pre-payment penalties.  Rates are based on the U. S. Treasury Securities-1YR CMT index plus a 3.00% margin with a lifetime cap of a 5.00% increase and a minimum floor of 3.25%.  The initial rate adjustment will not exceed 1.00% and rate adjustments will not exceed 2.00% per year.  Monthly payments may increase corresponding to changes to the rate.  All rates subject to change without notice.  Every effort is made to ensure these rates are accurate.  The figures on this website should be used for estimates only.  Please contact the Credit Union for questions regarding the rates.

Investment properties over 4 units
For our members interested in investment properties over 4 units in California, we may have a loan program available for you.  There are additional requirements and restrictions for those types of loans and the terms vary.  Call the credit union for additional details.

Home Equity Line of Credit

Term (months)	APR*	Points	Monthly Payment per $1,000 borrowed
180	N/A	0	N/A

*Rates expressed as ANNUAL PERCENTAGE RATE (APR).   Property must be owner occupied primary residence located within California.  Maximum financing available is $250,000, maximum combined loan to value will not exceed 80% including 1st and 2nd trust deeds.  There is a 10 year draw period.  Rate & payment quoted does not include property taxes and insurance or closing costs.  There are no pre-payment penalties.  Rates are based on the U. S. Treasury Securities-1YR CMT index plus a 3.00% margin with a lifetime cap of a 5.00% increase and a minimum floor of 4.95%.  Rates will not increase more than 2.00% for each adjustment.  All rates subject to change without notice.   Every effort is made to ensure these rates are accurate.  The figures on this website should be used for estimates only.  Please contact the Credit Union for questions regarding the rates.