ADJUSTABLE RATE HOME LOAN RATES AND TERMS

Effective March 26, 2011 and subject to change.
SAN DIEGO COUNTY CREDIT UNION ADJUSTABLE RATE HOME LOANS FEATURE:
· No risk-based pricing
· Low CAPs (CMT = 2/2/61)
· ZERO point options
· Free 60-day rate lock 2
· Free rate roll-down or re-lock
· Low closing costs
· Loans up to $1,500,000
San Diego County Credit Union offers tremendous flexibility in qualifying you for an affordable home loan in part because we do not rely on risk-based
pricing on our adjustable rate programs. Be sure to check out our 40-year 5/1 Adjustable Rate Mortgage!
ADJUSTABLE RATE MORTGAGES: CONFORMING LOANS TO $417,000 (Purchase or Refinance)

Loans Amortized Over 30 Years. Rate Points
Annual Percentage
Rate (APR)
Estimated Payment
Per $1,000
· Rates are for purchases up to 95% Loan-To-Value (LTV) or refinances up to 80% LTV . · Cash-out refinances up to 80% LTV.
3.125% 0.000 3.086% $4.28
2.875% 1.000 3.109% $4.15 3/1 CMT3
2.625% 2.000 3.132% $4.02
· Rates are for purchases up to 97% LTV or refinances up to 95% LTV. · Cash-out refinances up to 85% LTV.4
3.375% 0.000 3.191% $4.42
3.125% 1.000 3.182% $4.28 5/1 CMT
2.875% 2.000 3.173% $4.15
3.750% 0.000 3.413% $4.63
3.500% 1.000 3.375% $4.49 7/1 CMT
3.250% 2.000 3.338% $4.35
Loans Amortized Over 40 Years. Rate Points
Annual Percentage
Rate (APR)
Estimated Payment
Per $1,000
· Rates are for purchases or refinanc es up to 80% LTV. · Cash-out refinances up to 70% LTV.
3.500% 0.000 3.191% $3.87
3.250% 1.000 3.182% $3.73 5/1 CMT
3.000% 2.000 3.174% $3.58
ADJUSTABLE RATE MORTGAGES: JUMBO LOANS $417,001 TO $1,500,000 (Purchase or Refinance)
Loans Amortized Over 30 Years. Rate Points
Annual Percentage
Rate (APR)
Estimated Payment
Per $1,000
· Rates are for purchases or refinances up to 80% LTV with a maximum loan amount of $1,500,000. · Cash-out refinances up to 70% LTV.
3.500% 0.000 3.171% $4.49
3.250% 1.000 3.195% $4.35
3/1 CMT3
3.000% 2.000 3.218% $4.22
· Rates are for purchases or refinances up to 90% LTV with a maximum loan amount of $625,500.
· Rates are for purchases or refinances up to 80% LTV with a maximum loan amount of $1,500,000. · Cash-out refinances up to 70% LTV.
3.750% 0.000 3.326% $4.63
3.500% 1.000 3.317% $4.49
5/1 CMT
3.250% 2.000 3.309% $4.35
4.125% 0.000 3.595% $4.85
3.875% 1.000 3.557% $4.70 7/1 CMT
3.625% 2.000 3.519% $4.56
Loans Amortized Over 40 Years. Rate Points
Annual Percentage
Rate (APR)
Estimated Payment
Per $1,000
· Rates are for purchases or refinances up to 80% LTV. · Cash-out refinances up to 70% LTV.
3.875% 0.000 3.301% $4.10
3.625% 1.000 3.293% $3.95
5/1 CMT
3.375% 2.000 3.284% $3.80
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