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 Rates

                         

  

as of Wednesday, October 15, 2008

Mortgage
 

Type of Loan

Annual Percentage Rate 
Mortgage                                                                                    
   30 year 6.500%
   15 year
   40 year - Contact Us for rate information
  
Adjustable Rate First Mortgage 
6.000%
  

6.250%
Fixed Rate Term Second Mortgage 7.500%
Rental Property 9.500%
Land or acreage not in subdivision ** 8.000%
Land secured by lot  in subdivision ** 7.000%

 
** Rate may be higher depending on credit history**


*Important Information about these rates:

The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate.

The following conditions apply:

The annual percentage rate (APR) is based on specified loan amount for a stated term.
All loan applications are subject to credit and property approval.
Normal credit qualifications apply.
No subordinate financing permitted.
Maximum loan limits and minimum equity/down payment requirements apply.
Other restrictions may apply.

Rates and APRs are subject to change without notice and are affected by loan details such as your unique credit history, loan amount, loan-to-value ratio, property type, occupancy and transaction type.

For adjustable rate transactions, rates are subject to increase after closing due to market-driven changes in the index.

Loan program availability is subject to the loan amount.

Loans must be closed and funded (including expiration of rescission period on refinance loans) on or before the rate lock expiration date.

In order to lock into an interest rate, you must submit an application and execute a rate lock agreement.

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National Credit Union Administration We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.