St. Dominic's Federal Credit Union

Fixed-Rate Home Equity Loan – 1st Lien

Term	Rate	APR*
10 Years	5.875%	6.117%
15 Years	6.175%	6.348%

APR based on $100,0000. Maximum loan amount – $100,000.

*APR = Annual Percentage Rate. The rate is based on approved credit, direct payment from a SFCU account, and is subject to change without notice. Refinancing existing SFCU loans excluded. Minimum $5.00 deposit account required. This offer may be withdrawn at any time. Other restrictions may apply. Other terms and rates may apply based on the credit worthiness of the borrower and alternative payment sources.

Fixed Rate Home Equity Loan – 2nd Mortgage

Term	Rate	APR*
5 Years	4.375%	4.666%
10 Years	5.250%	5.408%
15 Years	5.500%	5.612%

APR based on $50,000.

*APR = Annual Percentage Rate. The rate is based on approved credit, direct payment from a SFCU account, and is subject to change without notice. Refinancing existing SFCU loans excluded. Minimum $5.00 deposit account required. This offer may be withdrawn at any time. Other restrictions may apply. Other terms and rates may apply based on the credit worthiness of the borrower and alternative payment sources.

Home Equity Line of Credit

Term	Rate	APR*
10 Years	4.375%	4.375%

After the first year (12 months) the interest rate adjusts 1.0% per quarter up until it reaches the current Wall Street Journal Prime rate, not to exceed 18.0%. Maximum loan amount – $150,000.

Term	Rate	APR*
10 Years	4.750%	4.750%

After the second year (24 months) the interest rate adjusts 1.0% per quarter up until it reaches the current Wall Street Journal Prime rate, not to exceed 18.0%. Maximum loan amount – $150,000.

*APR = Annual Percentage Rate. The rate is based on approved credit, direct payment from a SFCU account, and is subject to change without notice. Refinancing existing SFCU loans excluded. Minimum $5.00 deposit account required. This offer may be withdrawn at any time. Other restrictions may apply. Other terms and rates may apply based on the credit worthiness of the borrower and alternative payment sources.

Adjustable-Rate Mortgage Rates

Term	Rate	APR*
1/1	4.125%	7.239%
3/1	4.250%	6.736%
5/1	4.375%	6.358%

Miracle Melting Mortgage Rates

Term	Rate	APR*
1-7 Years	5.000%	5.318%
8-10 Years	5.500%	5.734%
11-15 Years	6.000%	6.167%

Home Alternative Energy Loan Rates

Term	APR* As Low As	Monthly Payment Per $1,000 Borrowed for 12 Months
12 Months	5.25%	$85.72

Call for additional terms and rates. Monthly payment per $1,000 borrowed depends upon rate and term selected.