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Effective Date: May 23, 2013 8:31 AM

	First Mortgage Loans, Purchase or Refinance, Primary Residence Term Loan Amounts* Note Rate* Loan Fee APR Conforming* 30 Year Fixed Rate FNMA Conforming < $417,000 4.125% 4.000% 3.875% 0.000% 1.000% 1.500% 4.195% 4.154% 4.071% Conforming* 20 Year Fixed Rate FNMA Conforming < $417,000 3.875% 3.750% 3.625% 0.375% 1.000% 1.500% 4.015% 3.962% 3.895% Conforming* 15 Year Fixed Rate FNMA Conforming < $417,000 3.250% 3.125% 3.000% 0.125% 1.000% 1.125% 3.390% 3.393% 3.286% Conforming* 10 Year Fixed Rate FNMA Conforming < $417,000 3.125% 3.000% 2.875% 0.125% 1.000% 1.250% 3.329% 3.390% 3.317% Conforming* 30 Yr with 15 Yr Balloon Fixed Rate Loans FNMA Conforming <$417,000 4.375% 4.250% 0.500% 1.000% 4.56% 4.49% Jumbo 30 Yr with 15 Yr Balloon Fixed Rate Loans $417,001 to $600,000 ** 5.000% 4.750% 0.500% 1.000% 5.14% 4.94% Jumbo 15 Year Fixed Rate Loans $417,001 to $600,000 ** 4.500% 4.250% 0.500% 1.000% 4.68% 4.51% Conforming* 30 Year 3/1 ARM   (Variable, fixed for first 3 years) FNMA Conforming < $417,000 2.875% 2.750% 2.625% 1.875% 2.250% 2.500% 2.991% 2.993% 2.986% Conforming* 30 Year 5/1 ARM   (Variable, fixed for first 5 years) FNMA Conforming < $417,000 3.375% 3.250% 3.125% 1.875% 2.000% 2.375% 3.184% 3.150% 3.136%

*NOTE: Conforming prices quoted are for conforming (<$417,000) loans. For jumbo loans (>$417,000), please see the jumbo pricing category. Other adjustments may apply, based on loan to value, purpose of loan, member credit qualifications and other factors. Rates quoted are for Primary Residence (owner occupied) loans. Rates and fees are different for Second Homes & Investment properties. Please consult with a CCU Loan Officer for a rate quote designed specifically to meet your needs. We can help you choose the mortgage that's right for you.

**For loan amounts above $600,000, call for pricing.

Rate Information
Rates quoted as of the date and time indicated above, are subject to change, with the markets, without notice. Example repayment terms for a 15 year fixed rate First Mortgage loan of $150,000 at a rate of 6.250%: 180 monthly P & I payments of $1286.13. Again, rates change often, and Columbia Credit Union will confirm rates for you at time of application.

	Lot / Land Loans Loan Type Term LTV Note Rate* Lot Loan 25 year amortization / 1/3/5 year Call - Fixed Rate 75% Rates starting at 6.75% - 7.75% Custom Construction Loans Loan Type LTV Note Rate* Loan Fee APR Custom Construction 5/1 ARM (Variable) up to 80% 3.750% 1.500% 3.92% Custom Contruction Conforming* 30 Yr with 15 Yr Balloon (Fixed Rate Loans) up to 80% 4.500% 1.500% 5.03%

*NOTE: For Jumbo Custom Construction Loans (>$417,000), please add .750% to rate. For loan amounts above $600,000 call for pricing.  Other adjustments may apply. Please consult with a CCU Loan Officer. 

Up to 5 years

Up to 75%

2.99% - 3.45%

10 years

Up to 75%

3.24% - 3.75%

12 years

Up to 75%

3.49% - 4.25%