Home Loan Rates Disclosures

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8/6/18
Fixed Home Equity Loans****

• No rates to exceed 18% after adjustment
• Maximum loan amount is $100,000
• Maximum LTV is 90% with credit scores 680 +
• If LTV exceeds 80%, member must pay for a new appraisal
• Credit Scores below 680 = maximum LTV 80%
• If LTV exceeds 70%, member must pay for a new appraisal

HELOC

• Floor rate of 4%
• Maximum loan amount is $100,000
• Maximum LTV is 80%
• If LTV exceeds 70%, member must pay for a new appraisal

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4/7/15
Home Equity Loans****

• LTV of up to 90%.

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12/29/13

*APR = Annual Percentage Rate. Must maintain adequate insurance. 5% penalty for late payments. Interest rate is determined by credit score. See a Real Estate Loan Specialist or contact us at 757.569.6000 for more details. Membership eligibility required.

Mortgages**

• Rates may change without notice
• Rates apply to primary residence purchases and refinances only.
• See a member service representative for more details.

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3/1 Adjustable Rate***

How Your Interest Rate and Payment Are Determined

• Your interest rate will be based on an index plus a margin.
• Your payment will be based on the interest rate, loan balance, and loan term.
• The interest rate will be based on the index (the weekly average yield on the U.S. Treasury securities adjusted to a constant maturity of one year, as made available by the Federal Reserve Board) plus our margin. If your rate is not already rounded then we round to the nearest .125%. Ask us for our current interest rate.

How Your Interest Rate Can Change

• Your interest rate can change annually after the initial fixed rate period.
• Your interest rate cannot increase or decrease more than 2 percentage points at each adjustment.
• Your interest rate cannot increase more than 5 percentage points over the term of the loan.
• Your interest rate cannot decrease below our margin.

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Home Equity Lines of Credit****

• Annual Percentage Rate (APR) is based on the prime rate and line amount and is subject to change monthly
• Your rate will never exceed 18% or the maximum allowed by law
• The minimum credit advance you can receive is $2,500 for the first advance and $250 for each subsequent advance
• LTV of up to 80%.
• Maximum draw period is 8 years
• Repayment period is up to 20 years
• 5% penalty for late payments.
• With a draw of $10,000 in new Bronco money, Bronco pays:
  • all attorney fees and closing costs if a Bronco-preferred attorney is chosen or
  • if not, $200 toward your chosen attorney and any remaining closing costs
• Must maintain adequate property insurance
• Membership eligibility required
• See a Member Service Representative for more details
• See a tax advisor regarding deductibility of interest.

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Home Equity Loans*****

• Rates may change without notice
• Rates are based on credit worthiness, loan amount and term of loan
• Rates shown may vary up to 14.25% depending on your credit report
• Your rate will never exceed 18% or the maximum allowed by law.
• Fees for appraisals, inspections, title insurance, flood hazard determination, and recording charges, if applicable, may be paid by the borrower.
• LTV of up to 80%.