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Mortgage Loan Rates
(No points charged)

As of April 3, 2009
(Rates are subject to change)

Click here for an informative brochure on
Home Mortgage Benefits and Risks

TYPE OF LOAN

ANNUAL
PERCENTAGE
RATE (APR)

MAXIMUM
TERM

OTHER
CONDITIONS**
First Mortgage - ARM,
Owner Occupied		 3.00% APR
3.50% APR		 300 months 1 year adjustable
3 year adjustable
First Mortgage - ARM,
Investment Property, Lots, Vacant Land		 5.00% APR
5.50% APR		 300 months 1 year adjustable
3 year adjustable
First Mortgage - Fixed
Owner Occupied		 as low as 4.65% APR*
as low as 4.75% APR*
as low as 5.00% APR*		 180 months*
240 months*
360 months*
Second Mortgages - Fixed as low as 5.25% APR*
as low as 5.25% APR*
as low as 6.00% APR*		 60 months*
120 months*
180 months*
Home Equity LOC -
Adjustable Rate		 as low as 3.25% APR* 180 months* The annual percentage rate may vary. The maximum annual percentage rate that
may be imposed is 18%.

Fixed Rate First Mortgage Payment Example:
Loan Amount:  $150,000
Sample Interest Rate: 5.00%
Term of the Loan: 30 Years
Monthly Payment (Principal and Interest): $805.23
Total Interest Paid Over the Life of the Loan: $139,880.43

Fixed Rate Second Mortgage Payment Example:
Loan Amount:  $50,000
Sample Interest Rate: 6.00%
Term of the Loan: 15 Years
Monthly Payment (Principal and Interest): $422.08
Total Interest Paid Over the Life of the Loan: $25,973.12

*Rates subject to change. The actual rate and payment amount will reflect a members'
individual circumstance and credit score and may be higher than the rates above.
 **Other conditions may apply.