You'll enjoy a fixed rate for the first 5 or 7 years. After that, the interest rate becomes adjustable and can fluctuate. Adjustable Rate Home Loans allow you to afford more home and are best for buyers who are not planning on keeping their home long-term or plan to refinance from time to time.

	Rate • Adjustable • Rate fixed for the first 5 or 7 years Term Amortized over 30¹ or 40 years Minimum Loan Amount $50,000 Down Payment Required • Up to 90% financing² on loans up to $417,000 • Up to 75% financing on loans up to $1,500,000 Additional Features • No obligation Pre-Approval • Free 45-day rate lock available • Free Internet Branch online account access • Free eStatements • No pre-payment penalties • Potential tax deductions³ Minimum Payment Payment is fixed for 5 or 7 years, then may adjust annually Payment Options Automatic payments from an eligible SDCCU® account available

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¹For example: 360 monthly payments of $5.07 per $1,000 borrowed at 4.500% Adjustable Annual Percentage Rate (APR) for the 7-year adjustable term based on rates offered 10/19/09. Rates may vary and are subject to change.
²90% financing available for a maximum 30-Year term on Adjustable mortgage products up to $417,000 with mortgage insurance. Private Mortgage Insurance premium is required for loans over 80% Loan-To-Value. Certain restrictions apply.
³Consult your tax advisor.