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» Mortgage Loan Rates
Effective from February 2, 2010 (unless otherwise noted)
| Home Equity Line of Credit - Adjustable Rate ‡ |
| CLTV** | Interest Rate | APR* |
|
| 80% |
5.500% |
5.500% |
| **CLTV=Combined Loan to Value |
| *APR=Annual Percentage Rate. Adjustable rate is based on the Major Bank Prime Rate as published in the Wall Street Journal for the first business day of the month prior to adjustment date. Loans are subject to adjustment on the first of January, April, July, and October of each year. The rate remains the same for the entire quarter regardless of any changes to the index during the quarter. All rates subject to change without notice. |
| Home Equity Fixed Loan ‡ |
| Term | CLTV** | Interest Rate | APR* |
|
| Owner Occupied |
| 5/5 Year Term, Fixed Rate |
80% |
5.750% |
6.060% |
| 10/10 Year Term, Fixed Rate |
80% |
6.000% |
6.167% |
| 15/10 Year Term, Fixed Rate |
80% |
6.125% |
6.256% |
| 15/15 Year Term, Fixed Rate |
80% |
6.250% |
6.371% |
| 30/15 Year Term, Fixed Rate |
80% |
6.375% |
6.464% |
| Non-Owner Occupied |
| 12 Year Term, Fixed Rate |
80% |
12.000% |
12.218% |
| *APR=Annual Percentage Rate. APR based on loan amounts of $50,000. All rates subject to change without notice. All loan rates based on approved credit. Individual rates may vary based on credit history. |
| **CLTV=Combined Loan to Value |
| Personal Home Loan ‡ |
| Term | Interest Rate | APR* |
|
| Owner Occupied |
| 5 Year Term, Fixed Rate |
9.500% |
10.382% |
| 6 Year Term, Fixed Rate |
9.500% |
10.250% |
| 7 Year Term, Fixed Rate |
9.500% |
10.155% |
| *APR=Annual Percentage Rate. APR based on loan amounts of $15,500. All rates subject to change without notice. All loan rates based on approved credit. Individual rates may vary based on credit history. |
| Conforming Fixed-rate (Loans to $417,000) |
| Effective Date: 02/01/2010 |
| Term | Rate | Points | APR* |
| 15 Year Fixed |
4.375% |
1% + $861 |
4.595% |
| 30 Year Fixed |
5.000% |
1% + $861 |
5.151% |
Maximum LTV=95%. PMI required on loans over 80%. The 30-year, 20-year, 15-year, and 10-year Fixed Rate Mortgages are fully amortizing loans. The rate will be fixed for the full term of the loan and your monthly principal and interest payments will not change for the term of the loan. Additional fees apply. Rates are subject to change without notice. Please call 877-915-3030 to obtain current rates. |
| Jumbo (Loans $417,001 and above) |
| Effective Date: 02/02/2010 |
| Term | Rate | Points | APR* |
| 15 Year Fixed |
5.500% |
1% + $861 |
5.718% |
| 30 Year Fixed |
5.875% |
1% + $861 |
5.960% |
Maximum LTV=95%. PMI required on loans over 80%. The 30-year, 20-year, 15-year, and 10-year Fixed Rate Mortgages are fully amortizing loans. The rate will be fixed for the full term of the loan and your monthly principal and interest payments will not change for the term of the loan. Additional fees apply. Rates are subject to change without notice. Please call 877-915-3030 to obtain current rates. |
| Conforming ARM Loans to $417,000 |
| Notes | Term | Rate | Points | APR* |
| 3/1 Non-Convertible ARM |
30 Year ARM |
4.000% |
1% + $861 |
3.958% |
| 5/1 Non-Convertible ARM |
30 Year ARM |
4.625% |
1% + $861 |
4.227% |
| 7/1 Non-Convertible ARM |
30 Year ARM |
5.125% |
1% + $861 |
4.585% |
Maximum LTV=95%. PMI required on loans over 80%. The 30-year, 20-year, 15-year, and 10-year Fixed Rate Mortgages are fully amortizing loans. The rate will be fixed for the full term of the loan and your monthly principal and interest payments will not change for the term of the loan. Additional fees apply. Rates are subject to change without notice. |
| Jumbo ARM Loans $417,001 and above |
| Notes | Term | Rate | Points | APR* |
| 3/1 Non-Convertible ARM |
30 Year ARM |
4.500% |
1% + $861 |
4.246% |
| 5/1 Non-Convertible ARM |
30 Year ARM |
4.750% |
1% + $861 |
4.408% |
| 7/1 Non-Convertible ARM |
30 Year ARM |
5.125% |
1% + $861 |
4.687% |
Maximum LTV=95%. PMI required on loans over 80%. The 30-year, 20-year, 15-year, and 10-year Fixed Rate Mortgages are fully amortizing loans. The rate will be fixed for the full term of the loan and your monthly principal and interest payments will not change for the term of the loan. Additional fees apply. Rates are subject to change without notice. |
| FHA MORTGAGE RATES |
| Conforming loan amounts. Loan limits based on geographic location. Owner occupied (1 to 4 Units). |
| Term | Rate | Points | APR* |
| 15 Year Fixed |
4.375% |
1%+$861 |
4.651% |
| 30 Year Fixed |
5.000% |
1%+$861 |
5.108% |
‡ Home Equity Line of Credit Adjustable Rate, Home Equity Loans and Personal Home Loans can only be a 1st or 2nd Trust Deed. The Personal Home Loan only can be a 3rd Trust Deed if the following conditions are met: 1st Trust Deed WPCCU or CMF and/or 2nd Trust Deed WPCCU.
‡The rates quoted here are indications only and are based on certain underwriting criteria. All rates are subject to change without notice. APR calculations are based upon a loan amount of $180,000 for a conforming loan and $500,000 for a jumbo loan, each with a 20% down payment or 80% LTV.
*APR = Annual Percentage Rate. All rates subject to change without notice.
All loan rates based on approved credit. Individual loan rates may vary based on credit history.
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