Rates accurate as of effective date and subject to change at any time.  Unless otherwise noted, dividend-bearing accounts have variable rates subject to change at any time after the account is opened.  When a Certificate is opened, the rate is fixed for the stated term.  Dividends are compounded and credited monthly.  To become a member, a one-time, non-refundable membership fee of $10.00 is required ($1.00 for youth 17 and under).  Fees may reduce earnings.  Early withdrawal penalty applies to Certificates.  Early IRA withdrawals may be subject to tax penalty.  Consult your tax or financial advisor for IRA and HSA information.  Pre-authorized withdrawal transaction limits apply to savings and money market accounts.  Please refer to the Truth-In-Savings Disclosure and Cost Recovery Schedule for other account terms and conditions.  Call (650) 363-1725 or (888) 363-1725 for current rate information or about fees and terms.

¹Additional deposits of $50.00 or more allowed during term.

²Maximum balance permitted is $100,000.00.

³Additional deposits of $500.00 or more allowed during initial term only.

⁴Additional deposits of $15.00 or more allowed.

APR = Annual Percentage Rate.

¹ Advertised rates are based on credit criteria and include discounts for automatic payment and direct deposit.  Your rate may be higher.  Refer to the Open End Loan Agreement, Truth in Lending Disclosure and Cost Recovery Schedule.  Call (650) 363-1725 or (888) 363-1725 for additional information.  All outside DMV fees necessary to process the loan are paid by the member.  Other rates and terms available.  Add 2.00% to vehicle models 2002-2003.

² Total unsecured debt cannot exceed $25,000.00 maximum aggregate limit.

¹70% LTV.  65% LTV for condos, townhomes, and second homes.

²APR = Annual Percentage Rate

³Additional closing costs and fees may be applicable if the mortgage loan is in the 1st lien position.  Members may pay some closing costs, such as appraisal and title search for loan amounts over $100,000.

⁴Maximum APR during the life of the loan will not exceed the APR in effect at the time of funding by more than 7%.  Floor rate will not drop below 4%.  Additional closing costs and fees may be applicable if the mortgage loan is in the 1st position.  No points, though members may pay some closing costs, such as appraisal and title search for loans over $100,000.00.  A $500.00 closure fee will be charged if closed within 36 months unless property is sold.  10 year draw period.  15 year pay-back period.

A $275.00 Good Faith Deposit is required; however, the fee will be refunded at time of funding.  On Purchase Loan Pre-Approvals, a $275 pre-approval fee is required at application and is NON-REFUNDABLE.  However, the $275 will be converted to the Good Faith Deposit when a fully executed Purchase Contract is received in our office.

Loan Level Price Adjustments may apply based upon certain eligibility of other loan features such as credit score, loan purpose, occupancy, number of units, property type etc.

The rates listed above are for informational purposes only.  They fluctuate with the market and are not guaranteed without a valid rate lock.  Rates and terms are subject to change without notice.

California owner-occupied properties only.  Loans on second homes and investment property also available.

LTV = Loan-to-value

EQUAL OPPORTUNITY LENDER

Rates accurate as of effective date and subject to change at any time.  Unless otherwise noted, dividend-bearing accounts have variable rates subject to change at any time after the account is opened.  When a Certificate is opened, the rate is fixed for the stated term.  Dividends are compounded and credited monthly.  To become a member, a one-time, non-refundable membership fee of $10.00 is required ($1.00 for youth 17 and under).  Fees may reduce earnings.  Early withdrawal penalty applies to Certificates.  Early IRA withdrawals may be subject to tax penalty.  Consult your tax or financial advisor for IRA and HSA information.  Pre-authorized withdrawal transaction limits apply to savings and money market accounts.  Please refer to the Truth-In-Savings Disclosure and Cost Recovery Schedule for other account terms and conditions.  Call (650) 363-1725 or (888) 363-1725 for current rate information or about fees and terms.

¹Additional deposits of $50.00 or more allowed during term.

²Maximum balance permitted is $100,000.00.

³Additional deposits of $500.00 or more allowed during initial term only.

⁴Additional deposits of $15.00 or more allowed.

APR = Annual Percentage Rate.

¹ Advertised rates are based on credit criteria and include discounts for automatic payment and direct deposit.  Your rate may be higher.  Refer to the Open End Loan Agreement, Truth in Lending Disclosure and Cost Recovery Schedule.  Call (650) 363-1725 or (888) 363-1725 for additional information.  All outside DMV fees necessary to process the loan are paid by the member.  Other rates and terms available.  Add 2.00% to vehicle models 2002-2003.

² Total unsecured debt cannot exceed $25,000.00 maximum aggregate limit.

¹70% LTV.  65% LTV for condos, townhomes, and second homes.

²APR = Annual Percentage Rate

³Additional closing costs and fees may be applicable if the mortgage loan is in the 1st lien position.  Members may pay some closing costs, such as appraisal and title search for loan amounts over $100,000.

⁴Maximum APR during the life of the loan will not exceed the APR in effect at the time of funding by more than 7%.  Floor rate will not drop below 4%.  Additional closing costs and fees may be applicable if the mortgage loan is in the 1st position.  No points, though members may pay some closing costs, such as appraisal and title search for loans over $100,000.00.  A $500.00 closure fee will be charged if closed within 36 months unless property is sold.  10 year draw period.  15 year pay-back period.

A $275.00 Good Faith Deposit is required; however, the fee will be refunded at time of funding.  On Purchase Loan Pre-Approvals, a $275 pre-approval fee is required at application and is NON-REFUNDABLE.  However, the $275 will be converted to the Good Faith Deposit when a fully executed Purchase Contract is received in our office.

Loan Level Price Adjustments may apply based upon certain eligibility of other loan features such as credit score, loan purpose, occupancy, number of units, property type etc.

The rates listed above are for informational purposes only.  They fluctuate with the market and are not guaranteed without a valid rate lock.  Rates and terms are subject to change without notice.

California owner-occupied properties only.  Loans on second homes and investment property also available.

LTV = Loan-to-value

EQUAL OPPORTUNITY LENDER