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Current Rates

Loan Disclaimers

Adjustable Rate Mortgage (ARM):

The 5/1 and 7/1 ARMs offer a fixed rate for the initial period of the loan and adjust to a one-year ARM after that period. The interest rate and monthly payment may adjust annually based on the weekly average yield on United States Treasury securities adjusted to a constant maturity of 1 year (the index) plus a margin of 2.50 percentage points with a 2% annual change cap and a 5% life time cap.

5/1 ARM Payment for a $100,000 80% LTV loan with a 3.750% rate and 4.672% Annual Percentage Rate (APR), based on the current market condition, the payment schedule would be: 60 payments of $463 at an interest rate of 3.750% and 300 payments at $528 at an interest rate of 5.030%.

7/1 ARM Payment for a $100,000 80% LTV loan with a 4.000% rate and 4.647% Annual Percentage Rate (APR), based on the current market condition, the payment schedule would be: 84 payments of $477 at an interest rate of 4.000% and 276 payments at $527 at an interest rate of 5.030%.

Payment examples do not include taxes and insurance premiums. All SUAFCU loan programs, rates, terms and conditions are subject to change at any time without notice.

Fixed Rate Mortgages:

Mortgages available only for the following owner-occupied properties: single family residences, qualified condominiums or multi-family structures with no more than four units and up to 80% LTV. Mortgages with down payments as low as 5% (up to 95% LTV) are available only for the following owner-occupied properties: single family homes and multi-family structures up to 2 units and will require private mortgage insurance (PMI). Subject to approval of application. The stated Annual Percentage Rates (APRs) are all based on $100,000 mortgages, except for the Fixed Rate Jumbo Portfolio Mortgages which are based on $424,100 mortgages. For example, a $100,000 15 Year Fixed Rate Purchase mortgage with an 80% LTV will have a 4.221% APR and the repayment schedule will be 180 monthly payments of approximately $746. Monthly payment amount does not include any property taxes, and/or insurance premiums; the actual payment will be greater when such items are included. Mortgages available only to members and only in designated geographic locations. All SUAFCU loan programs, rates, terms and conditions are subject to change at any time without notice..

Fixed Rate Balloon Mortgages:

Mortgages with a Balloon Rate are only available for second residences up to $417,000 and Jumbo Loans between $424,100 and $1,000,000. Maximum 80% LTV. Subject to approval of application. The loan amount is amortized over 30 years, with the balance of the mortgage being due after the balloon term. The stated Annual Percentage Rate (APR) for the Fixed Rate 2nd Residence mortgage is based on a $100,000 mortgage and the APR for the Fixed Rate Jumbo Portfolio Mortgage is based on a $424,100 mortgage. For example, a $100,000 2nd residence 7 Year Balloon mortgage with an 80% LTV will have a 5.002% APR and the repayment schedule will be 84 monthly payments of approximately $529 and 1 payment of approximately $87,720 due on the loan maturity date. Monthly payment amount does not include any property taxes, and/or insurance premiums; the actual payment will be greater when such items are included. Mortgages available only to members and only in designated geographic locations. All SUAFCU loan programs, rates, terms and conditions are subject to change at any time without notice.

Home Equity Line of Credit (HELOC):

The Annual Percentage Rate (APR) will be based on the Prime Rate plus a margin of 0.25%, with a maximum APR of 18.0%. The Prime Rate is the highest Prime Rate published in the Money Rates Table of the Wall Street Journal on the last business day of each quarter. Prime is a variable rate; as it changes, the APR on your account will also change. Credit is subject to approval. A HELOC is secured by a first or second mortgage lien on your home, which must be a one-to-four family residential real estate building. This type of credit is not available for modular homes, manufactured homes or cooperatives. The minimum line of credit amount is $10,000 and the maximum amount is $200,000. The maximum combined LTV is 80%. Flood and/or property hazard insurance may be required. Other restrictions may apply. The current Prime Rate is 5.00% resulting in a current APR of 5.25%. All SUAFCU loan programs, rates, terms and conditions are subject to change at any time without notice.

Auto Loan:

Auto loans are available for both new and used vehicles, with models up to 6 years old. The minimum loan amount is $5,000; the maximum loan amount is $35,000. Up to 60 months and 0% down payment. Annual Percentage Rate (APR) is based on an assessment of individual creditworthiness and our underwriting standards. For example, a new auto loan from the dealer with a 48-month term, 90% LTV, and a borrower's credit score of 730, currently, will have an APR of 3.50% and monthly payments of approximately $22 per $1,000. Current auto loan modification fee is $50. All SUAFCU loan programs, rates, terms and conditions are subject to change at any time without notice.

Secured Loan:

Share and Share Certificate Accounts may be used as collateral. The Annual Percentage Rate (APR) will be the same as the underlying dividend rate plus 2.5 percentage points. Any changes in the dividend rate will automatically change the APR. Loans are secured up to the value of the securing instrument. Share Certificates used as collateral do not renew automatically. Maximum loan amount of $100,000 and up to 12 years when a Shares Account is used as the underlying collateral or up to the maturity date when a Share Certificate Account is used. All SUAFCU loan programs, rates, terms and conditions are subject to change at any time without notice.

Line of Credit:

A Line of Credit loan is a personal line of credit with a term of 5 years, up to $5,000 for an individual or $10,000 for a joint account. A member can withdraw up to the maximum limit and pay off the balance any time within the 5-year term of the loan. The current Annual Percentage Rate (APR) for the Line of Credit is 14.90%. Interest is charged from date of transaction. All SUAFCU loan programs, rates, terms and conditions are subject to change at any time without notice.

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