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Home Loans Disclaimer

Rates subject to change at any time without notice.

1 Annual Percentage Rate reflects FICO Score of 740 or higher (also known as credit worthiness—your Score may vary and affect the corresponding APR) and is based on a loan for an owner-occupied (primary residence), single-family dwelling in California with a loan-to-value ratio of 80% or less, no cash-out. Other restrictions may apply. These rates are for informational purposes only and are subject to change without notice. No rate is guaranteed without a valid rate lock. Rates do not apply to FHA or Reverse Mortgage Products. Please call or email our Real Estate department for other quotes or information.

2 Conforming and High Balance loan limits for certain counties in California have been revised for 2011. Certain restrictions apply.

3 3/1, 5/1, 7/1, 10/1 ARM are loans that are fixed for either 3, 5, 7 or 10 years adjusted on an annual basis thereafter. The index used is the 1 year US Treasury Security adjusted to a constant maturity of one year.

ARM Rate Adjustments

  • Investment Property: add 0.50 basis points to Rate
  • FICO Score less than 660: add 0.25 basis points to Rate
  • Loan-to-Value greater than 80%: add 0.25 basis points to Rate

4 Annual Percentage Rate is based on an 80% loan-to-value ratio for California Properties. Introductory rate is effective for 6 months. After the introductory period, the rate will adjust quarterly. If you do not keep your credit line open for 2 years, you agree to reimburse $300 in processing costs to the Credit Union. Introductory rate subject to change at any time. The Prime Equity Line of Credit annual percentage rate is based on an index. The index is the highest Prime Rate currently published in the Wall Street Journal, Western Edition, on the 1st day of the month (or the next business day if the 1st is not a business day) prior to the change.