Rates

Effective Date 06/26/2009          
 

Today's rates posted are indicators and subject to change without notice. The rates reflected here may be unavailable. It is always best to call us at 800.942.9575 to receive the most current rates.

Rates and points shown are for members with the best credit profile.  Other rates and points are available, based on your credit history and appraisal.  Different rates may apply for cash out refinances.

Fixed Rate Mortgages              

Fixed Rate mortgages are for Owner Occupied 1-4 family homes, condos, and vacation homes.  Single family, 1-4 family, vacation homes, financing available up to 95% of home value.  Condos up to 90%.  Maximum loan amount = $1,000,000.  Conforming loan limits apply.  Call for more details. 

Programs Rate Discount Points APR* Mo. Cost Per $1000
	30 Year Fixed Rate  Owner occupied less than 70% LTV minimum FICO 720  For Multi Family properties and other rates please call	4.875% 2 5.053% $5.29 5.125% 1 5.215% $5.44 5.500% 0 5.501% $5.68 6.500% NPNC** 6.501% $6.32
	20 Year Fixed Rate	4.875% 2 5.118% $6.53 5.125% 1 5.248% $6.67 5.500% 0 5.502% $6.88 6.500% NPNC** 6.502% $7.46
	15 Year Fixed Rate	4.375% 2 4.680% $7.59 4.625% 1 4.778% $7.71 4.875% 0 4.877% $7.84 6.000% NPNC** 6.002% $8.44
	10 Year Fixed Rate	4.250% 2 4.687% $10.24 4.500% 1 4.719% $10.36 4.625% 0 4.628% $10.42 5.750% NPNC** 5.753% $10.98
*APR = Annual percentage Rate. APR is based on a $100,000 mortgage with a loan to value of 80% **NPNC = No Points; No Closing Costs with a minimum loan amount of $125K.     First Mortgage - Adjustable Rate

Maximum Term - Loan Amounts up to $1,000,000 Rate Points APR CAPS Margin Payment per $1000
	1 Yr ARM	4.500%	0	4.043%	2&6	2.00	$5.07 (30 years)
	3/1 Yr ARM (Conforming loan limits apply - please call)	4.875%	0	3.914%	2&6	2.25	$5.29 (30 years)
	3/3 Yr ARM (Conforming loan limits apply- please call	5.125%	0	4.650%	2&6	2.25	$5.44(30 years)
	5/1 Yr ARM (Conforming loan limits apply - please call)	5.375%	0	4.829%	2&6	2.50	$5.60(30 years)
	5/5 Yr ARM (Conforming loan limits apply- please call)	5.625%	0	5.239%	2&6	2.50	$5.76(30 years)
	3/3 Yr ARM-JUMBO (loan amounts over $417,000)	5.875%	0	5.970%	2&6	2.75	$5.92(30 years)
	5/5 Yr ARM-JUMBO (loan amounts over $417,000)	6.375%	0	6.149%	2&6	2.75	$6.24(30 years)

First Time Buyer Loan

	Maximum Term - Loan Amounts up to 1,000,000	Rate	APR	Caps	Margin	Payment per $1000
	First Time Buyers Only - 5/5 Year ARM (Conforming loan limits apply- please call)	5.375%	5.143%	2&6	2.50	$5.60(30yrs)

Second Mortgage Rates - Fixed

Program   Min. Amount   Rate   APR    Mo. Cost per $1000   3 years $5,000 5.250%  5.250% $30.08   5 years $10,000 5.500% 5.500% $19.10   10 years $10,000 6.250%  6.250% $11.23   15 years $10,000 6.500%  6.500% $8.71   20 years $10,000 7.250%  7.250% $7.90

No closing costs on loan amounts of $10,000 and more.