Rates

Floor rate of 6.00%. Document preparation fee of $200.00. Minimum loan amount $10,000.00 Interest only payment.

NMLS# 402473. Equal Opportunity Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Available for primary and second single-family homes. 1) 5-year draw with interest-only payments, followed by up-to 15-year repayment period. You can borrow up-to 75% of your home’s maximum loan to Value (LTV), with a maximum loan amount of $250,000. 2) Variable rate based on Wall Street Journal daily published Prime Rate, plus a margin up-to minus 1% determined by applicant’s credit score, with a floor rate of 6.00%APR, Annual Percentage Rate. Rates subject to change after loan is funded. $300 document preparation fee and a $75 annual fee apply. On approved credit. Offer begins 10/1/2024 and expires 12/31/2024.

Must add 1% to vehicles >100k miles

Must use J.D. Power retail on new 2023 models

⁴Advantage+ Money Market Rate Bonus Conditions

• Active Checking Account +0.10%
• Full Direct Deposit +0.10%
• Active SECU Credit Card +0.10%
• Active Consumer Loan +0.10%
• Current Mortgage +0.10%

Quarterly Dividends.

¹Dividend Transfer

²Dividend Transfer and Rising Rate Option Available

For Rising Rate Share Certificate accounts, the dividend rate and APY for your account may, at your option, change once during the original term of your certificate to the current rate being offered on certificates with the same term at the time your Rising Rate option is exercised. The Rising Rate option is only available on certificate accounts with terms of 48 or 60 months and is not available during any renewal term.

⁴Share Certificate Rate Bonus Conditions

• Active Checking Account +0.10%
• Full Direct Deposit +0.10%
• Active SECU Credit Card +0.10%
• Active Consumer Loan +0.10%
• Current Mortgage +0.10%

Qualifications

To earn your rewards, just do the following transactions and activities in your Kasasa Cash® account during each Monthly Qualification Cycle:

• Have at least 1 direct deposit or ACH debit transactions post and settle
• Have at least 10 debit card purchases post and settle
• Be enrolled in and agree to receive eStatements
• Be enrolled in and log into online banking

And if you don’t meet these qualifications, don’t worry. Your account is still free. You’ll also still earn our base dividend rate — and you can get right back to earning your full rewards the very next cycle that you qualify.

Qualifications

^APR is based on $100,000 loan amount and a Loan Origination Fee of 1% plus a $50 Doc Prep Fee. Minimum loan amount $10,000. 0.10% rate reduction on all Mortgage Loans with an existing State Employees Checking Account with State ECU. 0.15% rate reduction when signed up for Automatic Debit of payments. Rate and APR includes auto debit and State ECU checking account discounts. Rates start at listed percentages. Rates are subject to change without notice. Equal Housing Opportunity Lender. OAC

** APR based on $50,000 and a Loan Origination Fee of 1%, plus a $50 Doc Prep Fee. 0.10% rate reduction on all Mortgage Loans with an existing State Employees Checking Account with State ECU. 0.15% rate reduction when signed up for Automatic Debt of payments. Rate and APR includes auto debit and State ECU checking account discounts. Rates start at listed percentages. Rates are subject to change without notice. Equal Housing Opportunity Lender. OAC