Applies to owner-occupied Adjustable Rate Mortgage loans. Rate and terms subject to change. Rate listed is the credit union’s best rate and is subject to credit approval. Credit qualifications and other restrictions apply. Rate available for borrowers with credit scores of 640 or higher and apply only to primary residences and second homes. Not all members qualify for this rate. Your Annual Percentage Rate (APR) will vary based on your final loan amount and finance charged. For example: 3.875% rate would equal a payment of $4.70 per $1,000.00 borrowed for 30 years. Payments do not include escrow for property taxes and homeowner’s insurance. The interest rate can go up or down during the term of the loan. Additional rates and terms are available. All other standard closing costs apply. Consult your tax advisor regarding the deductibility of interest. Equal Housing Opportunity lender. NMLS # 691144.