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Rates as of Tuesday, January 19, 2010
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7-Year Loan1 As Low As
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6.740%
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15-Year Loan2 As Low As
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6.990%
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20-Year Loan3 As Low As
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7.490%
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30 Due in 15-Year Loan4 As Low As
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7.240%
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Non-Owner 7-Year Loan5 As Low As
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8.990%
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Non-Owner 15-Year Loan6 As Low As
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9.490%
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Up to 80% CLTV7 As Low As
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4.500%
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Non-Owner up to 70% CLTV7 As Low As
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5.500%
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1 Example of 6.74% APR is based on $25,000 loan, up to 80% Combined Loan-to-Value (CLTV) with principal and interest payment of $374.38 amortized over 84 months. APR of 6.74% is only available for terms amortized for 1 to (and including) 7 years with a CLTV of 80% or less on owner occupied properties.
2 Example of 6.99% APR is based on $25,000 loan, up to 80% Combined Loan-to-Value (CLTV) with principal and interest payment of $224.70 amortized over 180 months. APR of 6.99% is only available for terms amortized for eight to (and including) 15 years with a CLTV of 80% or less on owner occupied properties.
3 Example of 7.49% APR is based on $25,000 loan, up to 80% Combined Loan-to-Value (CLTV) with principal and interest payment of $201.38 amortized over 240 months. APR of 7.49% is only available for terms amortized for 16 to (and including) 20 years with a CLTV of 80% or less on owner occupied properties.
4 Monthly payment is based on an amortization of 360 months with a loan term of 180 months resulting in a final ‘Balloon’ payment. Example of 7.24% APR is based on $25,000 loan, up to 80% Combined Loan-to-Value (CLTV), with principal and interest payment of $170.50 and final ‘Balloon’ payment estimated of $18,843.99 due at the end of the 180 month term. APR of 7.24% is only available for terms of 15 years with a CLTV of 80% or less on owner occupied properties. Certain restrictions apply.
5 Example of 8.99% APR is based on $25,000 loan, up to 70% Combined Loan-to-Value (CLTV) with principal and interest payment of $402.36 amortized over 84 months. APR of 8.99% is only available for terms amortized for 1 to (and including) 7 years with a CLTV of 70% or less on non-owner occupied properties.
6 Example of 9.49% APR is based on $25,000 loan, up to 70% Combined Loan-to-Value (CLTV) with principal and interest payment of $261.08 amortized over 180 months. APR of 9.49% is only available for terms amortized for 8 to (and including) 15 years with a CLTV of 70% or less on non-owner occupied properties.
7 The APR for all Equity My Way Lines of Credit may vary and is based on the U. S. prime rate as published in the “Money Rates” column of The Wall Street Journal ; as of March 31, 2010, that prime rate was 3.25%. The minimum "floor" APR on all Equity My Lines of Credit is 4.5% for owner occupied or 5.5% for non-owner occupied, and the maximum APR that can apply is 18% for owner occupied or 19% for non-owner occupied.
Contact the credit union for terms and conditions on refinancing an existing Golden 1 Equity Loan.
8 The Golden 1 loan plus the first mortgage cannot exceed 80% of the appraised value. APR may vary depending upon the available equity in your home. All loans are subject to appraisal. Credit limit based on your creditworthiness. Please contact the credit union for the minimum and maximum loan amounts for the various Combined Loan-to-Values (CLTVs). APR, terms and conditions subject to change without notice. Limited to one-to-four family, units located in the state of California. Excludes mobile homes. Loans secured by your home other than your first mortgage must be paid off at the time of account funding. Other restrictions on property may apply. Property insurance required. Flood insurance may be required. Other programs, APR, and terms may be available.
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