FPCU Mortgage Loan Rates

HOME EQUITY LINE OF CREDIT (Adjustable Open-End):

Rates as low as Prime Plus .75%

Combined Loan to Value		APR* as low as
CLTV up to 75%		4%
Owner occupied homes maximum loan amount $250,000 1-2 units.

FIXED HOME EQUITY RATES (closed-end):

	Max CLTV	Rate	APR*
15 year fixed rate	75%	7.375%	7.375%
25 year fixed rate: Loans of $50,000 or more	75%	7.750%	7.750%
Owner occupied primary and second homes maximum loan amount $500,000 1-4 units.
15 Year fixed - N/O/O	65%	9.000%	9.000%
Non-owner occupied properties - maximum loan amount $250,000 1-4 units.

*APR= Annual Percentage Rate. Fully indexed rate is variable, based on prime and a margin, with a maximum variable rate of 8 percent over the initial start rate. Rate includes a .25% discount for automatic payment transfer from an FPCU checking account. Accounts closed within 36 months will incur a $500 cost recoupment fee. Rates quoted as of 12.3.08 and subject to change without notice. Loans made subject to credit approval. Other conditions, fees, and restrictions may apply. This offer is not valid on existing Financial Partners Home Equity loans.

Home Loan Programs are available in California, Colorado, and Michigan. For additional interest rate quotes and/or feature-based pricing adjustments e-mail or call us at 800.950.7328.