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All Mortgage loan rates are for members of Valley Oak Credit Union.  There is a $30 requirement to open the account to become a member; $25 miniumum deposit and $5 membership fee.

Rates Effective May 14th, 2012

Variable Rate Home Equity Line of Credit Loans (the Annual Percentage Rate may vary)
Variable Rate	Min Rate	Index	Margin	Interest Rate	Term	Points	Cap
80% LTV	5.75% APR	8.25% APR	0%	5.75%  APR 0.015753% Daily Periodic Rate	15 Yr	None	12.00% APR
Maximum Line of Credit $250,000				Index from Wall Street Journal Prime Rate + Margin = APR. Changes in January, April, July and October
Minimum Line of Credit $ 5,000				No Annual Renewal Fees.  Please ask about closing costs.
Minimum Subsequent Advances $250				Minimum / Floor APR 5.75%  Maximum APR 12.00%
Fixed Rate Real Estate Loans
($250,000 Max, $10,000 Min; 80 % LTV)                                  10 Year                                       15 Year                        30 Year
1st Trust Deeds				4.50% APR	4.75% APR		5.00 % APR
2nd Trust Deeds				6.50 % APR	6.75% APR		7.00 % APR
Payment example: APR = Annual Percentage Rate.  Pay $11.36 per month, per $1,000 borrowed at 6.50% for 120 months.

Returned Check Fee:  On all subaccounts, if a check or share draft is returned unpaid, you agree to pay a fee of $25.00 Late Charges:  If your payment is 10 or more days late you will pay 6% of the payment no less then $10.   Collection Costs:  You agree to pay all costs of collecting the amount you owe under the Agreement, including court costs and reasonable attorney fees. Rates are based on individual credit worthiness. Rates listed are the lowest rates available. The actual rate will be disclosed before you become obligated. Financing of collaterized loans based on the manufacturer's suggested retail (MSRP) and Kelly Blue Book Guide on used collateral. All loans and terms are subject to approval. All rates and terms are subject to change without notice. Ask about rate discounts available Refinancing existing Valley Oak loans to get the lower rate requires a minimum of $1,000 increase in loan proceeds, or a fee of $100.00 will be assessed. MORTGAGE DISCLOSURE