*APR=Annual Percentage Rate. Rate discount is based on a six month fixed term with $10,000 in new funds, at 80% loan-to-value. The introductory rate of 1.99% will be locked in for six months from closing date. After six months, the APR will be indexed to the Prime Rate which is currently 3.50% APR. The index used to determine the APR will be the Prime Rate found in the Money Rates Section of the Wall Street Journal. The APR will then be adjusted on the first of the following month. Minimum credit limit is $10,000. Rates effective as of April 1, 2016. Other rates and terms are available. All rates are subject to change without notice. All loan approvals are subject to normal underwriting procedures. Loan must be secured by primary residence, which must be owner-occupied. Federally insured by the NCUA.