LEARN MORE. The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a .50% origination fee, and some third-party fees. Assumes an owner-occupied purchase or refinance of a single family detached residence with a down payment or equity of 25%. Qualifications per monthly cycle are 12 debit card purchases posted to the account, one direct deposit or ACH deposit/withdrawal and enrollment in electronic statements. You will have to make a security deposit for this amount, which will be refunded to you upon closing your account. Adjustable Rate Mortgage (ARM) interest rates and payments are subject to change during the loan term. Start Up Savings Accounts are available for all ages up to 17. These points are usually collected at closing and may be paid by the borrower or the home seller, or may be split between them. Credit Union 1’s Adjustable Rate Mortgage is perfect for purchasers with short-term mortgage goals. TIS-BRO-CU 12/14/93 Custom 4s 201358457-010, Rev. The margin will range from 3.74% to 14.74% based on product type. Offer is subject to normal credit qualifications, meeting First Technology Federal Credit Union’s relationship requirements, and underwriting policy guidelines. Members can re-establish their Dividend Rewards Checking account at a later time if their ability to qualify regularly changes. You can withdraw dividends anytime during the term after they are credited to your account. App Store. See the Overdraft Policy Disclosure section of the. 4 = Debit card purchases can take up to 3 days to post and depend on merchant processing times. Annual Percentage Rates (APR) are calculated based on a loan amount of $100,000 for all products except the Jumbo Fixed and ARMs are based on a loan amount of $600,000. Get in touch. First Tech Credit Union - Providing Financial Services to our Members For full functionality of this website it is necessary to enable JavaScript. ** Mortgage products are offered by Homeowners Advantage through First Source Federal Credit Union. Waived if average daily balance is $1,000 or more, Waived if average daily balance is $5,000 or more. Time requirements: Your account will mature on the date listed on your certificate account receipt and your monthly statement. Choose a local lender who understands the Bay Area real estate market and partner with us to finance your home. The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a .50% origination fee, and some third-party fees. Fees charged at U.S. ATMs will be refunded if account qualifications are met for the monthly cycle the fee was charged in. Dividend period: For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. APR=Annual Percentage Rate= A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees. Applicable fees for miscellaneous services and transactions. Daily balance computation method: We calculate dividends by the daily balance method, which applies a daily periodic rate to your daily account balance. National Credit Union Share Insurance Fund - Your credit union accounts are federally insured by the National Credit Union Share Insurance Fund. Qualifying transactions must post to the account prior to the last day of the month. Exceptions to Early Withdrawal Penalties: Withdrawal of dividends prior to maturity: The annual percentage yield on an assumption that dividends will remain in the account until maturity. Applicable fees for miscellaneous services and transactions. - Fee applies to returned items when there isn’t enough collected funds in your account. Limit: one Dividend Rewards Checking Account per member. The dividend declaration date is the last day of the dividend period, and for the example above is January 31. Rates and product availability may also vary based on the State or region in which your financed property is located. ³You may be charged a fee multiple times, if the item or transaction is presented more than one time. Interest only payments will vary each month based on the number of days in each payment cycle and the date and amount of the prior monthly payment. 2 = Service Credit Union can help you get a mortgage that’s suited for your unique needs. Credit unions are another option when looking for a mortgage lender. © 1993 Wolters Kluwer Financial Services, Inc. All rights reserved. ³You may be charged a fee multiple times, if the item or transaction is presented more than one time. In accordance with Federal Reserve Regulation D, withdrawals on share certificate accounts completed within the first six days of account opening or within six days immediately following the last partial withdrawal will be subject to an early withdrawal penalty of at least seven days simple interest. This fee is applicable when you purchase American Express Travelers checks. This fee applies when you place a stop payment on a check (one or series of consecutive checks), ACH (one time or recurring), Cashier’s Check. This disclosure further explains the dividend feature of your non-term share account(s). Where the account is a Traditional IRA and the owner has attained the age 59½ , or if the owner makes the withdrawal as the IRA holders Required Minimum Distribution as required by the IRS. The dividend rate and annual percentage yield may change at any time, as determined by the Credit Union Board of Directors. You will be paid this rate until first maturity. Additional rates and programs are available. Stop paying rent and start paying equity into your own home. This fee applies to the following categories of transactions: share draft, check, ACH, or other electronic means. Some restrictions may apply. BUMP UP SHARE CERTIFICATE: You may make one additional deposit within each 12 months of the current term or once per term for Bump Up products with a term less than 24 months. If the requirements per qualification period are not met, the dividend rate and corresponding APY earned will be the non-qualified rate. 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