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Additional pricing may apply if the loan amount requested is outside these criteria. Owner occupied, California, single family home, no cash-out with 740 credit score and 60% loan-to-value. Advertised rates are stated for term including applicable points and customary closing costs at a 60 day lock.Ĭonforming rates are based on a $200,000 loan, High Balance rates based on a $550,000 loan and Jumbo rates are based on a $825,000 loan. All loans are subject to credit and property approval. Nothing herein is or should be interpreted as an offer or commitment to rate or to lend. Rates, terms, conditions, and availability are subject to change or withdrawal at any time and without notice. Please ask an SMCU representative for complete offer details, conditions, and restrictions.
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Penalties may be imposed for early withdrawal and fees may reduce earnings. Offer is subject to change or removal at any time without notice. This offer cannot be combined with any other certificate rate increase offer and not all certificates may be eligible. The checking account must be open and in Good Standing, as defined in the SMCU Account Agreement, to earn the certificate dividend rate increase for each month. Both the certificate and the checking account must be held by the primary account owner to be eligible for the certificate dividend rate increase. The APYE, on a monthly basis, calculates both the certificate base rate and the certificate dividend rate increase as earned. The certificate dividend rate increase is earned on a month-by-month basis and disclosed as the Annual Percentage Yield Earned (APYE). For a Statement Cycle during which the Active Checking account deposit requirement is not met, the certificate will earn the base rate that was set at the account opening or rollover date. Active Checking account is defined as a checking account that has at least one (1) direct deposit or ACH deposit (excluding telephone, teller or dividend posting transactions) during the monthly Statement Cycle (statement cycle period is 12:00 am on the first day of each month and ends at 11:59 pm on the last day of each month). The advertised certificate dividend rate increase can be earned for members who have an “Active Checking” account. † Offer details current as of for an eligible Share Certificate (certificate) account that has an open or auto-renewal (rollover) date on or after. Additional deposits of $15.00 or more allowed. Additional deposits of $500.00 or more allowed during initial term only.ģ. Additional deposits of $50.00 or more allowed.Ģ. Certificate Yields assume dividends remain in account until maturity penalty imposed for early withdrawal.