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You must be eligible for membership and become a member of the Credit Union prior to the loan closing date.

**Interest rates and loan programs shown are subject to change without notice and assume excellent credit. USAlliance Federal Credit Union is not responsible for any rates that may change prior to an executed rate lock commitment letter.**

The Annual Percentage Rate (APR’s), listed below, is based upon loan to values of 80% or less. Loan to values greater than 80.00% will require private mortgage insurance and your APR will be higher.
A consumer credit report will be obtained in connection with this application. The name and address of the agency and/or agencies providing the credit report will be furnished upon request. A consumer credit report may also be requested in connection with any update, renewal or extension of the credit for which application is made. 
 

Rates as of Friday, September 3, 2010
Product Description Points Interest Rate Annual Percentage Rate Payments Apply
Conforming Fixed Rates - $25,000 - $417,000
40 Year Fixed   0.000 5.125% 5.176% Show Payments and Rates
40 Year Fixed   0.750 5.000% 5.106% Show Payments and Rates
40 Year Fixed   1.250 4.875% 5.017% Show Payments and Rates
30 Year Fixed   0.000 5.000% 5.061% Show Payments and Rates
30 Year Fixed   0.500 4.875% 4.980% Show Payments and Rates
30 Year Fixed   1.250 4.750% 4.921% Show Payments and Rates
20 Year Fixed   0.000 4.125% 4.205% Show Payments and Rates
20 Year Fixed   0.250 4.000% 4.109% Show Payments and Rates
20 Year Fixed   2.000 3.750% 4.062% Show Payments and Rates
15 Year Fixed   0.000 3.625% 3.726% Show Payments and Rates
15 Year Fixed   0.750 3.500% 3.711% Show Payments and Rates
15 Year Fixed   2.000 3.375% 3.772% Show Payments and Rates
10 Year Fixed   0.000 3.625% 3.772% Show Payments and Rates
10 Year Fixed   0.250 3.500% 3.699% Show Payments and Rates
10 Year Fixed   1.250 3.375% 3.787% Show Payments and Rates
Jumbo Fixed Rates - $417,001 - $750,000
30 Year Jumbo Fixed   0.000 5.625% 5.689% Show Payments and Rates
15 Year Jumbo Fixed   0.000 5.250% 5.356% Show Payments and Rates
Jumbo Fixed Rates - $750,001 - $1,000,000
30 Year Jumbo Fixed   0.000 5.500% 5.563% Show Payments and Rates
15 Year Jumbo Fixed   0.000 5.250% 5.312% Show Payments and Rates
Conforming Adjustable Rates - $25,000 - $417,000
1 Year Adjustable Rates   0.000 2.125% 2.925% Show Payments and Rates
1 Year Adjustable Rates   1.000 1.375% 2.889% Show Payments and Rates
1 Year Adjustable Rates   1.250 1.250% 2.898% Show Payments and Rates
3/1 Adjustable Rates   0.000 2.750% 2.902% Show Payments and Rates
3/1 Adjustable Rates   1.000 2.375% 2.897% Show Payments and Rates
3/1 Adjustable Rates   2.000 2.000% 2.894% Show Payments and Rates
5/1 Conforming Adjustable Rates   0.000 3.500% 3.148% Show Payments and Rates
5/1 Conforming Adjustable Rates   1.000 3.125% 3.096% Show Payments and Rates
5/1 Conforming Adjustable Rates   1.750 2.875% 3.068% Show Payments and Rates
7/1 Conforming Adjustable Rates   0.000 3.750% 3.338% Show Payments and Rates
7/1 Conforming Adjustable Rates   0.750 3.500% 3.281% Show Payments and Rates
7/1 Conforming Adjustable Rates   2.000 3.125% 3.205% Show Payments and Rates
Jumbo Adjustable Rates - $417,001 - $750,000
3/1 Jumbo Adjustable Rates   0.000 3.000% 3.054% Show Payments and Rates
3/1 Jumbo Adjustable Rates   1.000 2.625% 3.050% Show Payments and Rates
3/1 Jumbo Adjustable Rates   2.000 2.250% 3.047% Show Payments and Rates
5/1 Jumbo Adjustable Rates   0.000 3.750% 3.319% Show Payments and Rates
5/1 Jumbo Adjustable Rates   1.000 3.375% 3.268% Show Payments and Rates
5/1 Jumbo Adjustable Rates   1.750 3.125% 3.238% Show Payments and Rates
Jumbo ARM Rates - $750,001 - $1,000,000
3/1 Jumbo Adjustable Rates   0.000 3.250% 3.157% Show Payments and Rates
5/1 Jumbo Adjustable Rates   0.000 4.000% 3.448% Show Payments and Rates
Bridge Loans - 12 months - Interest Only
12 months Interest Only   1.000 4.125% 4.266% Show Payments and Rates
Construction to Permanent Rates - One Time Closing - Please Call for Rates (800-431-2754 Ext 2320)