St. Anne's Credit Union





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Adjustable Rate Mortgages (ARMs)*
(Effective: February 4, 2012)
Program
 		Interest Rate
 		Points
 		APR
 		Monthly Payments
per $1000 borrowed
3/3 Adjustable Rate Mortgage **
3.250%
 1 3.524%
 months 1  to  36   $4.35
 months 37  to  359   $4.48
360 months   $4.05
3.500%
 0 3.581%
 months 1  to  359   $4.49
 months 360   $4.85
3/1 Adjustable Rate Mortgage **
3.125%
 1 3.479%
 months 1  to  36   $4.28
 months 37  to  359   $4.41
360 months   $4.40
3.375%
 0 3.455%
 months 1  to  359   $4.42
360 months   $5.01
5/1 Adjustable Rate Mortgage **
3.250%
 1 3.814%
 months 1  to  60   $4.35
 months 61  to  359   $4.65
360 months   $6.29
3.500%
 0 3.822%
 months 1  to  60   $4.49
 months 61  to  359   $4.67
360 months   $6.16
5/5 Adjustable Rate Mortgage **
3.500%
 0 3.742%
 months 1  to  60   $4.49
 months 61  to  359   $4.61
360 months   $5.38
*Annual Percentage Rate (APR) is subject to change. • Index is based on the comparable term US Treasury Rate plus a margin. ** The initial rate is discounted and is not based on the index and margin to be used in subsequent adjustments. Index is based on the comparable term US Treasury Rate. The APR may increase after consummation of the loan • 5% or more down payment required • Caps 2/6 • *** Payments do not include taxes or insurance • Subject to credit approval • Loans > 80% loan to value (LTV) will require private mortgage insurance (PMI) • Owner occupied properties only. Contact St. Anne's for information about non-owner occupied properties. $5 membership account required.


Fixed Rate Mortgages*
(Effective: February 4, 2012)
Program
 		Interest Rate
 		Points
 		APR
 		Monthly Payments
per $1000 borrowed
30 Year Fixed
(3% or more down payment)
3.375%
 2 3.619%
 $4.42
3.625%
 1 3.789%
 $4.56
3.875%
 0 3.958%
 $4.70
20 Year Fixed
(3% or more down payment.)
3.250%
 2 3.591%
 $5.67
3.500%
 1 3.728%
 $5.80
3.750%
 0 3.864%
 $5.93
15 Year Fixed
(3% or more down payment.)
2.625%
 2 3.057%
 $6.73
2.875%
 1 3.163%
 $6.85
3.125%
 0 3.269%
 $6.97
10 Year Fixed
(3% or more down payment.)
2.500%
 2 3.126%
 $9.43
2.750%
 1 3.166%
 $9.54
3.000%
 0 3.208%
 $9.66
*Annual Percentage Rate (APR) is subject to change. • Loans > 80% loan to value (LTV) will require private mortgage insurance (PMI) • *** Payments do not include taxes or insurance • Subject to credit approval • Owner occupied properties only. Contact St. Anne's for information about non-owner occupied properties. $5 membership account required.