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Type of LoanLTVRateAPR
10 Year First Mortgage* 3.125%


3.356%
15 Year First Mortgage* 3.175%
3.334%
20 Year First Mortgage** 3.675%
3.847%
30 Year First Mortgage** 3.875%3.999%
1/1 ARM (Non-Convertible)** N/AN/A
3/1 ARM (Non-Convertible)** N/AN/A
5/1 ARM (Non-Convertible)** N/AN/A
7/1 ARM (Non-Convertible)** N/AN/A
10/1 ARM (Non-Convertible)** N/AN/A
Home Equity Line of Credit/Variable Rate
(1st Lien)
max 85% LTV-
Prime
5.000%5.000%
Home Equity Line of Credit/Variable Rate
(1st Lien)
85-90% LTV
Prime + .74%
5.740%5.740%
Home Equity Line of Credit/ Variable Rate
(2nd Lien)
max 85% LTV-
Prime +.74%
5.740%5.740%
Home Equity Loan/Fixed Rate
max 80% LTVask for details 
60 Months ask for details
120 Months ask for details
180 Months ask for details

APR = Annual Percentage Rate.
*APR examples based on: A loan amount of $100,000.00 with average fees of $1,095.00 (other fees may apply).
**APR examples based on: A loan amount of $100,000.00 with average fees of $1,495.00 (other fees may apply).

Second Mortgage APR examples based on: A loan amount of $100,000.00 with average fees of $250.00 (other fees may apply).

Home Equity Line of Credit rates are subject to change. Variable APR is based on The Wall Street Journal (WSJ) prime rate.
No annual fee.

Rates and Terms subject to change without notice. Other interest rates and terms may apply. Interest rates offered may depend on credit history and certain minimum credit scoring qualifications. This listing is not an offer of credit. Business transacted at Cardinal Credit Union is governed by the laws of the State of Ohio.
For the Home Equity Line of Credit, the rate is the PRIME Rate. Rates and Terms subject to change without notice.

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Mortgage Specialists:

Dan McGarry
(NMLS# 1286635)

Mortgage Loan Specialist
440.266.2279 | dmcgarry@cardinalcu.com

Robert Ernsberger (NMLS# 1506217)
Mortgage Loan Specialist
440.266.2286 | rernsberger@cardinalcu.com

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