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.

^** Promotional Rate: Maximum loan to value (LTV) 80%, requires automatic payment and a partner/preferred relationship level.

^* Rates include a 0.50% discount for establishing automatic payment as well as establishing and maintaining a partner or preferredmember relationship tier level.

¹Subject to credit approval

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

Advertised rates are based on credit criteria and your rate may be higher.

¹75% LTV for single family homes, approved condos and town homes.

²APR = Annual Percentage Rate

³Additional closing costs and fees will be applicable if the mortgage loan is in the 1st lien position. Members will pay for an appraisal on all loan requests. Loan amounts from $5,000.00 to $100,000.00 SMCU will pay for title and recording costs at closing. Loan Amounts over $100,001.00 to $150,000.00 will require a full appraisal paid for by the member. SMCU will pay for the title and recording costs at closing.

⁴APR . Annual Percentage Rate. The rate is variable and tied to Prime as reported in the Wall Street Journal. APR will be as low as Prime minus .50% or as high as Prime plus 1.50%. Current Prime Rate is 3.25% as of 12/16/08. Rate is subject to change at any time. Maximum 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 will be applicable if the mortgage loan is in the 1st position. Members will pay for an appraisal on all loan requests. 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.

⁵75% LTV for single family homes, approved condo and town homes.

On Purchase Loan Pre-Approvals, a $275 pre-approval fee is required at application and is NON-REFUNDABLE.

⁶Loan 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.

These rates are for California Owner-Occupied properties only. Loans Products are available for Second Homes and Investment Property.

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.

^** Promotional Rate: Maximum loan to value (LTV) 80%, requires automatic payment and a partner/preferred relationship level.

^* Rates include a 0.50% discount for establishing automatic payment as well as establishing and maintaining a partner or preferredmember relationship tier level.

¹Subject to credit approval

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

Advertised rates are based on credit criteria and your rate may be higher.

¹75% LTV for single family homes, approved condos and town homes.

²APR = Annual Percentage Rate

³Additional closing costs and fees will be applicable if the mortgage loan is in the 1st lien position. Members will pay for an appraisal on all loan requests. Loan amounts from $5,000.00 to $100,000.00 SMCU will pay for title and recording costs at closing. Loan Amounts over $100,001.00 to $150,000.00 will require a full appraisal paid for by the member. SMCU will pay for the title and recording costs at closing.

⁴APR . Annual Percentage Rate. The rate is variable and tied to Prime as reported in the Wall Street Journal. APR will be as low as Prime minus .50% or as high as Prime plus 1.50%. Current Prime Rate is 3.25% as of 12/16/08. Rate is subject to change at any time. Maximum 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 will be applicable if the mortgage loan is in the 1st position. Members will pay for an appraisal on all loan requests. 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.

⁵75% LTV for single family homes, approved condo and town homes.

On Purchase Loan Pre-Approvals, a $275 pre-approval fee is required at application and is NON-REFUNDABLE.

⁶Loan 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.

These rates are for California Owner-Occupied properties only. Loans Products are available for Second Homes and Investment Property.

LTV = Loan-to-value

EQUAL OPPORTUNITY LENDER