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Real Estate Rates & Terms


Effective April 1, 2020

Real Estate Loans (1) Maximum Term APR (2)
1st Trust Deed
Fixed rate. Up to 80% financing.
5, 10, 15, 20 & 30 Years as low as 3.00%
2nd Trust Deed
Fixed rate. Up to 80% financing.
5, 10, 15 Years
as low as 4.125%
Home Equity Line of Credit (3)
Variable rate. No points.
fully indexed rate
as low as 4.00%

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(1) Real Estate loan interest rates are based on market conditions and are not reduced if payments are made by payroll deduction. Owner-occupied. Loans more than 80% loan-to-value require PMI (Private Mortgage Insurance).

(2) Annual Percentage Rates (APR) subject to change without notice and are our best rates for excellent credit. Your individual rate will be based on approved credit determined by managed-risk program and may vary depending on creditworthiness.

(3) Rate adjusts semi-annually as outlined in the loan agreement and is based on the borrower's credit history at time of application. Maximum possible APR is 15% over the life of the loan, but no more than 5 percentage points over the starting APR, and no more than 2 percentage points per year. Minimum initial advance is $5,000; minimum subsequent advances are $500.

We are an Equal Housing Lender, and do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.


This credit union is federally insured by the
National Credit Union Administration.
Equal Housing Lender, and NCUA insured
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