ARM MORTGAGE

ENJOY THE LOWEST APR IN DECREASING RATE ENVIRONMENTS.

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It's a loan with some serious flexibility.

An ARM (Adjustable Rate Mortgage) allows you to ride down rates in a declining rate environment. Your rate is locked for the first one, three, five, seven or ten years and then interest rates adjust depending on the chosen ARM.

ARM Terms / Descriptions:

One-Year - Rate locked for first year, rate raise of 2% maximum annually, and 6% lifetime.
Three-Year - Rate locked for first three years, rate raise of 2% maximum annually, and 6% lifetime.
Five-Year - Rate locked for the first five years, with first rate raise as high as 5% (or 2% thereafter if rate does not rise to 5% on first change), and maximum of 5% lifetime.
Seven-Year - Rate locked for the first seven years, with first rate raise as high as 5% (or 2% thereafter if rate does not rise to 5% on first change), and maximum of 5% lifetime.
Ten-Year - Rate locked for the first ten years, with first rate raise as high as 5% (or 2% thereafter if rate does not rise to 5% on first change), and maximum of 5% lifetime.

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Low starting interest rates
30-year term
Tax-deductible interestϮ
Initial interest rate locked for first one, three, five, seven or ten years depending on ARM of your choice
Rate maximum adjustment of 2% annually and 6% maximum over the life of the loan
Maximum loan amount of $750,000

Realty Benefit Program*
Want to save hundreds, even thousands of dollars every time you buy or sell a house? You can with our Realty Benefit Program.* Check it out.

Contact your tax advisor regarding tax deductability.

Program Details: If you are a seller, you will receive a discount on your broker/agent's commission. If you are a buyer in a state that permits commission rebates, you will receive a rebate on the commission from your broker/agent, which is credited to you at closing or sent to you after closing. Please note that this benefit is based on your broker/agent's commission, and does not include any commission paid to or earned by the other party's agent/broker. In those states that do not permit rebates, there may be other benefits that can be realized by a buyer. Please ask CU Realty or your credit union for the member benefits available in your state and credit union's CU Realty Program.

CommunityAmerica Credit Union knows you have dozens of choices on where to put your money. There are banks on every corner, each with a reason why you should deposit your money with them. But can any of them offer you ownership? At CommunityAmerica, membership means ownership. Join in to see what membership can mean for you.