Selfreliance Adjustable Rate Mortgages

*Offer good only for the following owner-occupied properties: single family residences, qualified condominiums or multi-family structures with no more than four units.

The 5/1 ARM offers a fixed rate for the initial period of the loan and adjusts 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.

Example: 5/1 ARM Payment for a $100,000 80% LTV loan with a 3.625% rate and 4.470% Annual Percentage Rate (APR), based on the current market condition, the payment schedule would be: 60 payments of $456 at an interest rate of 3.625% and 300 payments at $514 at an interest rate of 4.780%. No application fee, 0 points. Low down payment options may be available. Payment examples do not include taxes and insurance premiums. Mortgages available only to members and only in designated geographic locations. Offered rate & terms may change at any time. Subject to approval of application.

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