The examples shown here are based on an owner-occupied single-family detached house located in the state of California. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income. All loans and terms are subject to credit approval and membership eligibility. Rates are subject to change without notice. Some restrictions may apply. Please call for rate information about mortgage products with terms other than those shown.

Fixed Rate Home Equity Loan payment example: The Fixed loan payment is based on a loan amount of $250,000, 60% Combined Loan-to-Value (CLTV), and a FICO^® score of 750 or greater. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher.

Home Equity Line of Credit payment example: The HELOC rate is variable and subject to increase during the loan term. Rate is based on the Prime Rate as published in The Wall Street Journal Money Rates Table (“Index”) plus .250% (“Margin”). The floor rate is equal to the Index published at the time of loan application. The lifetime maximum variable APR is 15.00%. The HELOC payment is based on a loan amount of $250,000, 80% Combined Loan to Value (CLTV), and a FICO^® score of 750 or greater. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Equity lines have a 10-year draw period and a 10-year repayment period for a total term of 20 years. Payments during the 10-year draw period are interest only. There is no annual fee or early termination fee. All loans are subject to verification of equity. Limited to owner occupied one- or two-unit properties located in California. Other restrictions on property may apply. Member pays title and escrow costs. Property insurance required. Flood insurance may be required. Maximum financing may be reduced in areas where properties are in declining market. Rates and terms are subject to change without notice. Additional terms and conditions may apply.