Real Estate Rates

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Home Equity Loans
Dreamline Home Equity Lines of Credit

Home Equity

All rates are as of

Owner Occupied Loans Second Trust Deeds
Home Equity Loan ($10,000 - $500,000)

Non-Owner Occupied Loans Second Trust Deeds
Home Equity Loan ($10,000 - $500,000)

* Closed-end Disclosures
* Annual Percentage Rate. Rates are subject to change without notice, some restrictions apply. Prepaid finance charges vary depending upon the type and amount of your loan. Actual rate will be determined after application and prior to execution of loan documents. 240 months is the maximum term on Home Equity Loans. A lien will be required on the subject property. Please refer to the Closed-End Disclosure for additional information.

** To obtain the approximate loan payment multiply the estimated payment by the amount borrowed (i.e. $20,000 borrowed would be calculated as estimated payment x 20)

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Dreamline Home Equity Lines of Credit

All rates are as of

Home Equity Line of Credit Owner Occupied Property up to Max Loan Amount $500,000

Home Equity Line of Credit Non-Owner Occupied up to Max Loan Amount $500,000

* Dreamline Home Equity Line of Credit Disclosures

Early Closure Fee - CCU will be reimbursed $400 for the costs of the loan when the LOC is paid and closed within the first 36 months from the date originated

Home Equity Line of Credit is a 25 year loan with a 10 Year Draw on available funds; Interest Only Payments

Loan amount from $10,000 to $500,000, subject to available equity, credit score and subject property, other conditions may apply.

(CLTV) Combined loan to value based on available equity including mortgage(s) that may not be paid at closing.

** Annual Percentage Rate. Rates are subject to change, some restrictions apply. 10 year draw/15 year repayment period on Dreamline Home Equity Line of Credit. Prime is Wall Street Journal prime rate, (plus any applicable margin) which is subject to change and may vary monthly. A lien will be required on your primary residence. Maximum APR* is 18%.

The Corresponding Daily Periodic Rate for 4.50% is 0.0109589041.

*** Wall Street Journal Prime Rate as of 10/30/08. Minimum APR is 4.00%.

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