NCFCU Home Loan Rates

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NCFCU Home Equity Loan Rates

Rates Effective as of July 1, 2006

Home Equity Fixed Rate

85% loan to value financing*; up to 20 year terms; no points

Term	APR**
Up to 60 months, loans less than $10,000.00	6.24%
Up to 60 months, loans more than $10,000.00	5.99%
61 - 120 months	6.99%
121 - 180 months	7.49%
181 - 240 months	7.99%

Home Equity Variable Rate

75% Loan to Value Financing*

APR** - 7.330%

Adjusted Quarterly; Maximum rate is 18.00% APR** and minimum rate is 6.00% APR**.

Mortgages

For Purchases or Refinances - Please Call PHH Credit Union Services at 1-877-391-9527.

*Loan to value is appraised value less first mortgage.

**APR denotes Annual Percentage Rate.

All loan rates are subject to change without prior notice. All rates posted are NCFCU's standard rates. The actual interest rate you receive will reflect individual circumstances and may be higher or lower than the standard rate. Check with the Loan Department for specific information relative to your request.