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» Mortgage Loan Rates
Effective as of August 30, 2010 (unless otherwise noted)
| Term Buster Loan |
APR calculations are based on loan amounts of $180,000. CLTV=Combine Loan To Value. Estimated payment is per $1,000. |
| Term | CLTV | Rate | Points | APR* | ‡Est. Payment |
| 5 Year Term, Fixed Rate |
80.0% |
3.180% |
1.000% |
3.751% |
$18.05 |
| 10 Year Term, Fixed Rate |
80.0% |
3.840% |
1.000% |
4.140% |
$10.05 |
| Conforming Fixed-rate (Loans to $417,000) |
APR calculations are based on loan amounts of $180,000 for a conforming loan and $500,000 for a jumbo loan, each with a 20% down payment or 80% LTV. Estimated payment is per $1,000. |
| Term | Rate | Points | APR* | ‡Est. Payment |
| 15 Year Fixed |
3.750% |
1.000% |
3.957% |
$7.27 |
| 30 Year Fixed |
4.375% |
1.000% |
4.494% |
$4.99 |
| Jumbo (Loans $417,001 and above) |
APR calculations are based on loan amounts of $180,000 for a conforming loan and $500,000 for a jumbo loan, each with a 20% down payment or 80% LTV. Estimated payment is per $1,000. |
| Term | Rate | Points | APR* | ‡Est. Payment |
| 15 Year Fixed |
4.500% |
1.000% |
4.672% |
$7.65 |
| 30 Year Fixed |
5.125% |
1.000% |
5.226% |
$5.44 |
| Conforming ARM (Loans to $417,000) |
APR calculations are based on loan amounts of $180,000 for a conforming loan and $500,000 for a jumbo loan, each with a 20% down payment or 80% LTV. Estimated payment is per $1,000. |
| Notes | Term | Rate | Points | APR* | ‡Est. Payment |
| 3/1 Non Convertible ARM |
30 Year ARM |
3.125% |
1.000% |
3.250% |
$4.28 |
| 5/1 Non Convertible ARM |
30 Year ARM |
3.125% |
1.000% |
3.250% |
$4.28 |
| 7/1 Non Convertible ARM |
30 Year ARM |
3.375% |
1.000% |
3.502% |
$4.42 |
| FHA Mortgage Loans |
Conforming loan amounts. Loan limits based on geographic location. Owner occupied (1 to 4 units). |
| Term | Rate | Points | APR* | ‡Est. Payment |
| 30 Year Fixed |
4.375% |
1.000% |
4.707% |
$4.99 |
| Home Equity Line of Credit - Adjustable Rate |
APR calculations are based on a loan amounts of $50,000. CLTV=Combine Loan To Value. Estimated payment is per $1,000. 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. Home Equity Line of Credit Adjustable Rate is offered as first or second trust deeds only. |
| CLTV | Rate | APR* | ‡Est. Payment |
| 80% |
5.500% |
5.500% |
$5.68 |
| Home Equity Loan |
APR calculations are based on a loan amounts of $50,000. CLTV=Combine Loan To Value. Estimated payment is per $1,000. |
| Term | CLTV | Interest Rate | APR* | ‡Est. Payment |
| 5/5 Year Term, Fixed Rate |
80% |
5.750% |
6.060% |
$19.22 |
| 10/10 Year Term, Fixed Rate |
80% |
6.000% |
6.167% |
$11.10 |
| 15/10 Year Term, Fixed Rate |
80% |
6.125% |
6.256% |
$8.51 |
| 15/15 Year Term, Fixed Rate |
80% |
6.250% |
6.371% |
$8.57 |
| 30/15 Year Term, Fixed Rate |
80% |
6.375% |
6.464% |
$6.24 |
*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. 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 in the index during the quarter. 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. The quoted rates are indications only and are based on certain underwriting criteria. All WPCCU mortgage loans must be owner-occupied.
‡To determine approximate payment, multiply the number in the Estimated Payment per $1,000 column by the number of thousands of dollar to be borrowed.
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