Fixed Rate 30 Year Purchase Transaction = 30 Day Rate Lock*

ACCURATE AS OF - July 21, 2017. (Subject to change at any time. UICCU is not responsible for typographical errors or omissions. Actual rate may be higher based on credit history and LTV.)

Loan Amount
Rate
(with no points paid)
APR
(with no points paid)
Discount Points
(to buy down rate)
Rate
(if points paid)
APR
(if points paid)
Payment
per $1000
$240,000 3.750% 3.777% .250
3.625% 3.672%
$4.63
$180,000 3.750% 3.786% .375
3.625% 3.692% $4.63
$100,000 3.750% 3.816% .625 3.625% 3.742%
$4.63
$70,000 3.875% 3.970%
.500
3.750% 3.886%
$4.70

Fixed Rate 15 Year Purchase Transaction = 30 Day Rate Lock*

ACCURATE AS OF - July 21, 2017 . (Subject to change at any time. UICCU is not responsible for typographical errors or omissions. Actual rate may be higher based on credit history and LTV.)

Loan Amount
Rate
(with no points paid)
APR
(with no points paid)
Discount Points
(to buy down rate)
Rate
(if points paid)
APR
(if points paid)
Payment
per $1000
$240,000
3.000% 3.048% .125
2.875% 2.911% $6.91
$180,000
3.000% 3.064% .250
2.875%
2.929%
$6.91
$100,000
3.000% 3.116% .500
2.875%
2.977%
$6.91
$70,000
3.250% 3.417% .500
3.125% 3.256%
$7.03


Fixed Rate 30 Year Refinance Transaction = 60 Day Rate Lock*

ACCURATE AS OF - July 21, 2017 . (Subject to change at any time. UICCU is not responsible for typographical errors or omissions. Actual rate may be higher based on credit history and LTV.)

Loan Amount
Rate
(with no points paid)
APR
(with no points paid)
Discount Points
(to buy down rate)
Rate
(if points paid)
APR
(if points paid)
Payment
per $1000
$240,000
3.750%
3.777%
.500
3.625%
3.693%
$4.63
$180,000
3.750%
3.786% .625
3.625%
3.712%
$4.63
$100,000
3.750%
3.816% .875
3.625%
3.762%
$4.63
$70,000
4.000% 4.095% .125
3.875% 3.980%
$4.77


Fixed Rate 15 Year Refinance Transaction = 60 Day Rate Lock*

ACCURATE AS OF - July 21, 2017 . (Subject to change at any time. UICCU is not responsible for typographical errors or omissions. Actual rate may be higher based on credit history and LTV.)

Loan Amount
Rate
(with no points paid)
APR
(with no points paid)
Discount Points
(to buy down rate)
Rate
(if points paid)
APR
(if points paid)
Payment
per $1000
$240,000 3.000%
3.048% .250 2.875% 2.920% $6.91
$180,000
3.000%
3.064% .375
2.875%
2.939% $6.91
$100,000
3.000% 3.116% .625
2.875% 2.987% $6.91
$70,000
3.250% 3.417% .750
3.125% 3.276% $7.03


USDA/VA Loans (Purchase) = 30 Day Rate Lock*

ACCURATE AS OF - July 21, 2017 . (Subject to change at any time. UICCU is not responsible for typographical errors or omissions. Actual rate may be higher based on credit history and LTV. USDA and VA Loans are calculated at a $180,000 loan amount). 

Loan TypeRate
(with no points paid)
APR
(with no points paid)
Discount Points 
(to buy down rate)
Rate 
(if points paid)
APR 
(if points paid)
Payment 
per $1000
VA 30 Year Fixed3.250%3.314%.0003.250%3.314%$4.35
VA 15 Year Fixed2.750%
2.814%.0002.750%2.814%$6.79
USDA 30 Year Fixed3.250%3.314%.0003.250%3.314%$4.35


In-House Adjustable Rate Loans = 90 Day Lock*

ACCURATE AS OF - July 21, 2017 . (Subject to change at any time. UICCU is not responsible for typographical errors or omissions. Actual rate may be higher based on credit history and LTV. Adjustable Rate Loans are calculated at a $180,000 loan amount).

Loan Program
Rate
APR
Fixed Term
Floor Rate Margin Payment
75 er $1000
1/1 ARM 3.375% 4.801% 1 Year 4.875% 2.75 $4.42
5/1 ARM 3.250% 4.328% 5 Years 4.875%
2.75
$4.35
5/5 ARM 3.875% 4.463% 5 Years 4.875%
2.75
$4.70
7/1 ARM 3.875% 4.503% 7 Years 5.000% 2.75
$4.70
10/1 ARM 4.000% 4.419% 10 Years 5.000% 2.75
$4.77

In-House Fixed Rate Loans = 90 Day Lock*

ACCURATE AS OF - July 21, 2017 . (Subject to change at any time. UICCU is not responsible for typographical errors or omissions. Actual rate may be higher based on credit history and LTV. In House Fixed Rate Loans are calculated at a $180,000 loan amount). Program geared towards loans that don't meet Secondary Market Guidelines.

Loan Program
Rate
(with no points paid) 
APR
(with no points paid) 
Discount Points 
(to buy down rate) 
Rate 
(if points paid) 
APR 
(if points paid) 
Payment
(per $1000)
30 Year
4.625%
4.692%
.000 4.625% 4.692% $5.14














* All Rates above assume a Credit Score of 740 with a 75% CLTV with $1800 in closing costs. All Rates, Payment Amounts, and Closing Costs are examples and do not constitute an actual quote. 

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