Real Estate Loan Rates

To view all available loan programs or customize a rate quote, please use our online Loan Consultant. For more information, please call us at 510-627-5120 or toll-free 888-334-5120.

Disclosures

Rates are effective as of May 17, 2013

Loan Type	Rate	Discount Points	APR	Est. Payment per $1,000
CONFORMING
30 Year Fixed	3.500%	0.000	3.515%	$4.49
20 Year Fixed	3.375%	0.000	3.396%	$5.74
15 Year Fixed	2.625%	0.000	2.652%	$6.73
10 Year Fixed	2.500%	0.000	2.540%	$9.43
7/1 ARM	2.375%	0.000	2.705%	$3.89
5/5 ARM	2.125%	0.000	3.049%	$3.76
5/1 ARM	2.125%	0.000	2.685%	$3.76
3/3 ARM	2.125%	0.000	2.904%	$3.76
3/1 ARM	2.125%	0.000	2.788%	$3.76
10/1 ARM	3.125%	0.000	3.071%	$4.28
JUMBO
30 Year Fixed	3.625%	0.000	3.638%	$4.56
20 Year Fixed	3.500%	0.000	3.518%	$5.80
15 Year Fixed	2.875%	0.000	2.898%	$6.85
10 Year Fixed	2.875%	0.000	2.908%	$9.60
7/1 ARM	2.500%	0.000	2.894%	$3.95
5/1 ARM	2.250%	0.000	2.888%	$3.82
3/1 ARM	2.125%	0.000	2.980%	$3.76
10/1 ARM	3.375%	0.000	3.319%	$4.42

“Conforming” loan amounts are less than or equal to $417,000; $625,500 in AK an HI. “Jumbo” loan amounts are greater than $417,000; $625,500 in AK and HI.

Rate Assumptions

Home Equity

Home Equity Loan (Fixed Rate)

	Rate %	Points	APR %¹	Est. Payment per $1,000
15 Year Fixed Rate	3.625%	0.000	3.625%	$7.21

Interest Only Home Equity Line of Credit (Variable Rate)

Loan-To-Value	Loan Amounts up to²	Index	Rates as low as³
80%	$500,000	Prime	4.750%

¹Annual Percentage Rates (APR) is calculated based on a loan amount $50,000 for Home Equity loans. For Home Equity Loans Rate is fixed for the term of the loan. Actual rate is based on the loan-to-value and the borrower's credit score at the time of origination. Home Equity Loans in TX available up to 80% LTV Maximum.

²Credit limit based on your creditworthiness. Please contact the credit union for the minimum and maximum loan amounts for the various Combined Loan-to-Values (CLTVs).

³Rate shown is based on a Combined Loan-to-Value (CLTV) of 80% or less. Rate will increase based on a CLTV greater than 80%. For Home Equity Lines of Credit the rate is variable and based on the Prime Rate (as published in the Federal Reserve Bank in Statistical Release H.15) 45 days prior to the note date or adjustment date, plus a margin. The maximum annual percentage rate in a variable-rate plan is 18%. The margin is based on loan-to-value and borrower's credit score at time of origination. Fees totaling approximately $1200 may be added to Home Equity Lines of Credit.

Property insurance is required. Flood insurance may be required. Rates, APR, terms and conditions are subject to change without notice.

Ask about our Reduced Cost Loan program.

For a customized rate quote, use our online Loan Consultant.