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Loans Selection*
As of June 21, , 2008
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Term
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Rate
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Exceptions
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Mortgage Rates
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15 years fixed rate
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5.70%
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No Points
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20 years fixed rate
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6.00%
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No Points
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30 years fixed rate
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6.50%
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No Points
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1 year
ARM (30 year payout)
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4.00%
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No Points
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3 years
ARM (30 year payout)
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4.50%
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No Points
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5 years
ARM (30 year payout)
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5.00%
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No Points
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7 years
ARM (30 year payout)
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5.50%
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No Points
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3 years balloon (30 year payout)
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5.75%
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No Points
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5 years balloon (30 year payout
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6.00%
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No Points
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No Income Verification Loan
Owner occupied construction loan
5 years variable (15 year payout)
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Add 1% to above
7.50%
6.50%
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30% down payment
No Points
Second Mortgage
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Member Business Loans
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12 years fixed rate
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7.25%
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No Points
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5 years
ARM (12 year payout)
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6.95%
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No Points
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7 years balloon (30 year payout
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6.85%
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No Points
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12 years balloon (30 year payout)
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7.00%
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No Points
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1 year ARM (12 year payout)
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8.25%
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Second Mortgage
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New and Used Car Loans
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New Automobiles
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2 years
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4.50%
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10% down payment
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3 years
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5.00%
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10% down payment
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4 years
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5.25%
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10% down payment
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5 years
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5.50%
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10% down payment
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Used Automobiles (max age of
auto 5 years)
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1 year
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5.50% max 4 yr. term
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15% down payment
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2 years
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5.75% max 4 yr. term
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15% down payment
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3 years
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6.00% max 4 yr. term
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15% down payment
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4 years
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6.25% max 3 yr. term
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15% down payment
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5 years
6.50% max 3
yr. term 15% down payment
Share Secured Loans
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Up to 5 years
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From 3.77% to 4.77%
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Regular Share secured loan
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Up to term of CD
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2.25% above CD APY
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Certificate of Deposit secured
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Personal Loans
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Up to 4 years
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10.90%
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signature loan
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Up to 4 years
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10.90%
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co-maker loan
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Home Equity Line of Credit
(HELOC)
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3 year draw – max 12 yr. term
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Prime Rate
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