Variable rates may be adjusted periodically at the discretion of the the credit union Board of Directors and are not indexed to any internal or external interest rate.

Owner-occupied properties may include principal residence, or a vacation or second home. Financing is also available for non-owner occupied rental properties.

Conventional financing of owner-occupied properties is 80% of value. IMPORTANT DISCLOSURES

Maximum loan to value financing and length of term available: Payment Calculator

Owner Occupied	Loan to Value	Term Length
Conventional	80% of Value	30 Years
Rental Units	75% of Value	15 Years*

First Mortgage Interest Rates:

		Estimated Monthly Payment
		30 Year Repayment per $1,000
Owner occupied	4.00%	@ 4.00% = $4.77
		15 Year Repayment per $1,000*
Rental units	4.50%	@ 4.50% = $7.65

*Rental units can be set up on 25-year amortization with 15-year balloon to reduce payment.

All rates quoted for non-real estate loans (vehicle and other secured personal loans) are rates which apply to the large majority of the credit union borrowers. Higher rates may apply on applications with higher indications of credit risk and the credit union reserves the right to apply higher rates based on applicant credit history and credit score.

All Rates: view a full schedule of all loan and savings rates in our current newsletter.

Four Points Federal Credit Union is an Equal Housing Lender, an Equal Opportunity Lender, and complies with all requirements of the Federal Truth in Lending Act. All published rates are subject to change without notice. Existing variable rate loans are subject to change with a 30-day notice.

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IMPORTANT DISCLOSURES
The following information is provided to you pursuant to the requirements of the Truth in Lending Act and Regulation Z of the Federal Reserve Regulations. Regulation Z prescribes uniform methods of computing the cost of credit, disclosure of credit terms and procedures for resolving errors on certain credit accounts. Four Points Federal Credit Union loan products are offered as open ended credit and closed ended credit depending on the type of loan you desire. The disclosures contained herein do not contain all of the disclosure information which you will be provided if your loan is consummated. Additional disclosures required by law and regulations may be provided to you at various timed during the processing of your request as required by law.

CLOSED-END CREDIT: THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT FOUR POINTS FEDERAL CREDIT UNION’S CLOSED END-CREDIT LOANS. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS. Terms of Repayment. First mortgage real estate loans are available both on a variable and fixed rate plan. Fixed rate loans are made only on terms up to 60 months, with the exception of extended term vehicle loans which may be made at fixed rates up to 72 months. All loan of terms longer than these will be made only at variable rates of interest. Long term fixed rate first mortgage loans are available through a program with Federal Home Loan Bank.

The Annual Percentage Rate. The Annual Percentage Rate for closed end credit loans are subject to change. At the currently published interest rates, the repayment terms would be as described in the above chart.

Interest Rate Changes. The rates contained herein are effective as of February 1, 2012. However, the rates and terms described in this disclosure concerning variable rate loans are subject to change at any time. FOUR POINTS FEDERAL CREDIT UNION IS AN EQUAL HOUSING LENDER, AND EQUAL OPPORTUNITY LENDER AND COMPLIES WITH ALL REQUIREMENTS OF THE FEDERAL TRUTH IN LENDING ACT AND APPLICABLE REGULATIONS. ADDITIONAL DISCLOSURES REQUIRED BY LAW AND REGULATIONS MAY BE PROVIDED TO YOU AT VARIOUS TIMES DURING THE PROCESSING OF YOUR REQUEST AS REQUIRED BY LAW.

Membership or Participation Fees. You must be a member of the Four Points Federal Credit Union to obtain a loan from Four Points Federal Credit Union. There is no membership or participation fee associated with that membership and no such fee is imposed for obtaining a loan.

Interest Rate Changes. The rates contained herein are effective as of February 1, 2012. However, the rates and terms described in this disclosure concerning variable rate loans are subject to change at any time.