Home Loan Rates

For mortgages, visit www.memberfirstmortgage.com***

Closed End Home Equity Loans from $10,000 to $250,000 (Owner Occupied) [2]
Rates effective 9/01/10

80% Combined Loan-to-Value

Fixed Rate
Sept 2010		 Base Interest Rate Best Interest Rate Best Interest Rate w/ Automatic Transfer Highest Interest Rate [1]
Term up to 80% CLTV up to 80% CLTV up to 80% CLTV up to 80% CLTV
up to 5 years 5.750% 5.250% 5.000% 13.250%
6 to 10 years 6.200% 5.700% 5.450% 13.700%
11 to 15 years 6.650% 6.150% 5.900% 14.150%
16 to 20 years 7.100% 6.600% 6.350% 14.600%

95% Combined Loan-to-Value

Fixed Rate
Sept 2010

 Base Interest Rate Best Interest Rate Best Interest Rate w/ Automatic Transfer Highest Interest Rate [1]
Term up to 95% CLTV up to 95% CLTV up to 95% CLTV up to 95% CLTV
up to 5 years 6.750% 6.250% 6.000% 14.250%
6 to 10 years 7.200% 6.700% 6.450%

14.700%
11 to 15 years 7.650% 7.150% 6.900% 15.150%
16 to 20 years 8.100% 7.600% 7.350% 15.600%

Closed End Home Equity Loans from $10,000 up to $250,000 (Non-Owner Occupied) [2]

Fixed Rate
Sept 2010		 Base Interest Rate Best Interest Rate Best Interest Rate w/ Automatic Transfer Highest Interest Rate [1]
Term up to 70% CLTV up to 70% CLTV up to 70% CLTV up to 70% CLTV
up to 5 years 7.000% 6.500% 6.250% 14.500%
6 to 10 years 7.450% 6.950% 6.700% 14.950%
11 to 15 years 7.900% 7.400% 7.150% 15.400%
16 to 20 years 8.350% 7.850% 7.600% 15.850%

Home Equity Line of Credit from $10,000 up to $250,000 [3]

Adjustable Interest Rate
3rd Quarter		 13 Week T-Bill [3] Margin Base interest Rate Best Interest Rate Best Interest Rate with Payment Transfer Highest Interest Rate [1]
Up to 80% 0.000% 3.750% 3.750% 4.000% 4.000% 11.250%
Over 80% 0.000% 4.250% 4.250% 4.000% 4.000% 11.750%
Up to 70% 0.000% 4.500% 4.500% 4.000% 4.000% 12.000% - non-owner occupied

Visa Gold Home Equity Line of Credit from $10,000 to $75,000 [4]

Adjustable Interest Rate
3rd Quarter		 Prime Rate Margin Base interest Rate Best Interest Rate Best Interest Rate with Payment Transfer Highest Interest Rate [1]
Up to 80% 3.250% 0.500% 3.750% 4.000% 4.000% 11.250%
Over 80% 3.250% 1.000% 4.250% 4.000% 4.000% 11.750%
Non-owner occupied
Up to 70%		 3.250% 1.250% 4.500% 4.000% 4.000% 12.000%

Interest rates are subject to change anytime without notice and may vary based upon credit history, loan term, and account relationships with the Credit Union.

Notes

  1. Maximum Interest Rate is 18.00%
  2. Fixed interest rates on closed-end equity loans change monthly.
  3. Adjustable rates change quarterly. Current T-bill expires 9/30/2010
  4. Adjustable rates change quarterly. Current prime rate expires 9/30/2010
    CLTV - Combined loan-to-value.

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NCUAYour savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government
National Credit Union Administration, a U.S. Government Agency
Equal Housing Lender We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.