St. Anne's Credit Union





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Adjustable Rate Mortgages (ARMs)*
(Effective: July 17, 2010)
Program
 Interest Rate
Points
APR
Monthly Payments
per $1000 borrowed
3/3 Adjustable Rate Mortgage
 3.875%
24.320%
36 months   $4.70
323 months   $4.84
1 month   $2.18
4.125%
14.294%
359 months   $4.85
1 month   $2.43
3/1 Adjustable Rate Mortgage
 3.250%
23.688%
36 months   $4.35
323 months   $4.48
1 month   $4.05
3.500%
13.663%
359 months   $4.49
1 month   $4.85
5/1 Adjustable Rate Mortgage
 3.750%
24.160%
60 months   $4.63
299 months   $4.76
1 month   $2.35
4.000%
14.168%
359 months   $4.77
1 month   $7.53
7/1 Adjustable Rate Mortgage
 4.250%
24.637%
84 months   $4.92
275 months   $5.04
1 month   $4.49
4.500%
14.673%
359 months   $5.07
1 month   $2.73
5/5 Adjustable Rate Mortgage
 3.875%
04.433%
60 months   $4.70
299 months   $5.08
1 month   $6.37
*Annual Percentage Rate (APR) is subject to change. •5% or more down payment • Caps 2/6 • The initial rate is discounted and is not based on index and margin to be used in subsequent adjustments. The APR may increase after consummation of the loan.


Fixed Rate Mortgages*
(Effective: July 17, 2010)
Program
 Interest Rate
Points
APR
Monthly Payments
per $1000 borrowed
30 Year Fixed
(3% or more down payment)
 4.125%
24.380%
$4.85
4.375%
14.546%
$4.99
4.625%
04.711%
$5.14
20 Year Fixed
(3% or more down payment.)
 4.000%
24.351%
$6.06
4.250%
14.484%
$6.19
4.500%
04.618%
$6.33
15 Year Fixed
(3% or more down payment.)
 3.625%
24.069%
$7.21
3.875%
14.171%
$7.33
4.125%
04.273%
$7.46
10 Year Fixed
(3% or more down payment.)
 3.500%
24.138%
$9.89
3.750%
14.174%
$10.01
4.000%
04.212%
$10.12
*Annual Percentage Rate (APR) is subject to change. • 3% down payment requires 35% Private Mortgage Insurance (PMI) • 5% requires 30% PMI • At least 10% but less than 15% down requires 25% PMI • At least 15% but less than 20% requires 20% PMI • Contact St. Anne's for information about non-owner occupied properties.