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 February 20, 2018

Loan Type Rate Discount Points APR Est. Payment per $1,000*
CONFORMING
30 Year Fixed 4.500% 0.000 4.515% $5.07
20 Year Fixed 4.250% 0.000 4.270% $6.19
15 Year Fixed 4.000% 0.000 4.026% $7.40
10 Year Fixed 3.875% 0.000 3.912% $10.07
10/1 ARM 4.375% 0.000 4.459% $4.99
7/1 ARM 3.875% 0.000 4.248% $4.70
5/5 ARM 3.625% 0.000 4.681% $4.56
5/1 ARM 3.625% 0.000 4.237% $4.56
3/3 ARM 3.500% 0.000 4.671% $4.49
3/1 ARM 3.500% 0.000 4.330% $4.49
JUMBO
30 Year Fixed 4.375% 0.000 4.385% $4.99
20 Year Fixed 4.125% 0.000 4.139% $6.13
15 Year Fixed 4.000% 0.000 4.017% $7.40
10 Year Fixed 4.000% 0.000 4.025% $10.12
10/1 ARM 4.375% 0.000 4.547% $4.99
7/1 ARM 3.750% 0.000 4.314% $4.63
5/1 ARM 3.625% 0.000 4.390% $4.56
3/1 ARM 3.500% 0.000 4.515% $4.49

“Conforming” loan amounts are less than or equal to $453,100; $679,650 in AK and HI. “Jumbo” loan amounts are greater than $453,100; $679,650 in AK and HI.

0 point pertains to the "Origination Point Fee" and there may be other loan level pricing adjustment (LLPA) costs that still apply. These can be affected by the applicant's loan-to-value, credit score, cash-out, occupancy status, and other factors.

Rate Assumptions 
 

Home Equity

Home Equity Loan (Fixed Rate)

Rate % Points APR %1 Est. Payment per $1,000*
15 Year Fixed Rate 5.500% 0.000 5.618 $8.17

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 Rate 5.250%
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 "Money Rates" section of the Wall Street Journal, plus a margin. The margin is based on loan-to-value and borrower(s) credit score at time of origination. The maximum annual percentage rate in a variable rate plan is 18%.

*Taxes and insurance not included, your actual payment obligation may be higher.

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.