Equal Housing Lender

Certified Federal Credit Union NMLS #403205

Loan approval is subject to credit approval and program guidelines. Interest rate and program terms are subject to change without notice. The APR listed is effective as of September 19, 2024 and is an example of the loan pricing offered for a particular product. Loan pricing that you may qualify for can be different based on your credit history, loan-to-value (LTV), occupancy, property type and other factors.

¹ APR = Annual Percentage Rate
² Fixed-Rate Loans: APR calculation assumes a $250,000 loan with 80% loan to value, owner occupied, single-family residence with a credit score of 620 or above. Conforming Rates are for loans not to exceed $499,999.

³ High Balance Fixed-Rate Loans: APR calculation assumes a $500,000 loan with 80% loan to value, owner occupied, single family residence with a credit score of 620 or above. High Balance rates are for loans exceeding $500,000.

⁴ HELOC Information: Your variable interest rate will never increase or decrease by more than 2.00 percentage points each year and will never be less than 4.50% APR nor greater than 16.00% APR and will apply to the remaining principal balance. You can obtain credit advances for 120 months (the draw period). During the draw period, payments will be due on a monthly basis. Your minimum periodic payment will be established at the time of each advance or change in interest rate; to the amount necessary to fully amortize your then outstanding account balance no later than 180 months from the Date of Agreement, plus any portion of the minimum payments shown on prior statement(s) which remains unpaid, subject to the lesser of $50.00 or your account balance. If your payment is more than 10 days late you will be charged $20. To maintain a line of credit, you must pay us a $75 inactivity fee FINANCE CHARGE. You will pay $400 if you cancel your Line of Credit (LOC) for any reason in the first 3 years. You must carry insurance on the property that secures this plan. Loan amounts $25,000-$100,000 up to 80% CLTV. CLTV = Combined Loan-to-Value. Rates are accurate as of September 19, 2024 ⁵ Fixed rate Second Loans: APR Calculation assumes $50,000 loan with 80% Combined loan to value, owner occupied, single family residence with a minimum FICO of 660.