Mortgage Rates

Fixed Rate

Term	Interest Rate*	APR*	Monthly Payment Per $1,000**
30 Years	6.625%	6.824%	$6.40
30 Year (Portfolio)	7.125%	7.332%	$6.74
20 Year	6.500%	6.759%	$7.46
15 Years	5.875%	6.189%	$8.37
10 Years	5.500%	5.938%	$10.85

*Interest rates and APR's are effective as of November 15, 2024 and are subject to change without prior notice. Interest rates are specific to each loan application and may increase based upon credit score, loan to value (LTV), loan purpose, property type and other applicable factors. Interest rates and APRs (annual percentage rate) shown above are applicable for the purchase or no-cash out refinance of a single family, owner occupied home with a maximum loan amount of $275,000, a maximum 70% LTV and a minimum 780 credit score. Your interest rate and APR may be higher than shown above. Private Mortgage Insurance (PMI) is required for down payments less than 20%. Homeowner’s insurance and flood insurance (if applicable) are required. Maximum loan amount is $766,550. All loan applications must comply with secondary market guidelines. 30 year (portfolio) program is available for non-conforming loans. All products shown above are for the finance of owner occupied properties only. Other restrictions or considerations may apply. Please contact a mortgage originator for more information.

**Payments do not include real estate taxes or insurance. Your payment obligation may be greater.

You must become a member of the Polish National Credit Union if you are granted a loan and must remain a member for the life of the loan. Membership is attained by opening deposit account and is open to individuals who live, work, worship or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.

Fixed Rate Jumbo

Term	Interest Rate*	Points	APR*	Monthly Payment Per $1,000**
30 Years	6.875%	0	7.073%	$6.57

*Interest rate and APR is effective as of August 5, 2024 and is subject to change without notice. For loan amounts greater than $766,550 up to $1,000,000. Interest rate and APR (annual percentage rate) shown above assume a $766,550 loan amount and a 20% down payment/equity position. The maximum loan to value (LTV) is 80%. Homeowner’s insurance and flood insurance (if applicable) are required. All loan applications are subject to credit underwriting and property approval. Interest rates are specific to each loan application and may change based on borrower's credit score, loan to value (LTV), loan purpose, property type and other applicable factors. Your interest rate and APR may be different than shown above. This product is for the finance of owner occupied properties only. Other restrictions or considerations may apply. Please contact a mortgage originator for more information.

**Payments do not include real estate taxes or insurance. Your payment obligation may be greater.

You must become a member of the Polish National Credit Union if you are granted a loan and must remain a member for the life of the loan. Membership is attained by opening deposit account and is open to individuals who live, work, worship or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.

Adjustable Rate SPECIAL

Program	Maximum Term	Interest Rate*	APR*	Fully Indexed Rate	Monthly Payment per $1,000**
7/1 ARM	30 Years	5.375%	6.410%	7.125%	$5.60

*Interest rate and APR is effective as of November 15, 2024, and is subject to increase. Interest rate and APR (annual percentage rate) shown above assume a $100,000 loan amount and a 20% down payment/equity position. Interest rate shown above is specific to each transaction and is subject to increase based upon the borrower’s credit score, loan to value (LTV), loan purpose, property type and other applicable factors. Your interest rate and APR may be different. Homeowner’s insurance and flood insurance (if applicable) are required.

The minimum loan amount is $100,000 and the maximum loan amount is $766,550. 1-4 family, owner-occupied primary residence or second home. Maximum 80% LTV. Purchase or refinance. A PNCU Perks checking account must be opened prior to closing and automatic loan payments from this account must be established. Your loan cannot close in this product until both requirements have been met. $1,000 closing cost discount will be applied as a lender credit at loan closing. This closing cost credit cannot be combined with any other offer or promotion and can be changed without prior notice. Other restrictions may apply. Please contact a mortgage loan originator for more information.

**Payments do not include real estate taxes or insurance. Your payment obligation may be greater.

Adjustable Rate

Program	Maximum Term	Interest Rate*	APR*	Fully Indexed Rate	Monthly Payment per $1,000**
5/1 ARM	30 Years	5.750%	6.766%	7.125%	$5.83
10/1 ARM	30 Years	6.000%	6.599%	7.125%	$5.99

*Interest rates and APR's are effective as of November 18, 2024 and are subject to increase. Interest rates and APRs (annual percentage rate) shown above assume a $100,000 loan amount and a 20% down payment/equity position. Maximum 80% loan to value (LTV) on all ARM products. Homeowner’s insurance and flood insurance (if applicable) are required. Maximum loan amount is $766,550. All loan applications are subject to credit union underwriting guidelines and property approval. Interest rates shown above are specific to each transaction and are subject to change based upon the borrower's credit score, loan to value, loan purpose, property type and other applicable factors. Your interest rate and APR may be different. These products are for owner occupied properties only. Other restrictions or considerations may apply. Please contact a mortgage loan originator for more information.

**Payments do not include real estate taxes or insurance. Your payment obligation may be greater.

You must become a member of the Polish National Credit Union if you are granted a loan and must remain a member for the life of the loan. Membership is attained by opening a deposit account and is open to individuals who live, work, worship or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.

Construction Loans

Program	Maximum Term	Interest Rate*	APR*	Fully Indexed Rate	Monthly Payment per $1,000**
FIXED	30 Years	6.875%	7.224%	N/A	$6.57

*Interest rate and APR is effective as of August 5, 2024 and is subject to change without notice. Interest rate and APR (annual percentage rate) shown above assumes a $100,000 loan amount and a 20% down payment/equity position. The maximum loan to value (LTV) is 80%. Reserves are required. Homeowner's insurance and flood insurance (if applicable) are required. Maximum loan amount is $766,550. This products is for the construction of a single family, owner occupied home. A licensed general contractor is required. All loan applications are subject to credit union underwriting guidelines. Interest rate shown above is specific to each transaction and are subject to change based upon the borrower's credit score, loan to value (LTV) and other applicable factors. Your interest rate and APR may be different. Other restrictions or considerations may apply. Please contact a mortgage loan officer additional information.

**Payments do not include real estate taxes or insurance. Your payment obligation may be greater.

You must become a member of the Polish National Credit Union if you are granted a loan and must remain a member for the life of the loan. Membership is attained by opening deposit account and is open to individuals who live, work, worship or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.

Land Loans

Program	Maximum Term	Interest Rate	APR*	Fully Indexed Rate	Monthly Payment per $1,000**
1 Year ARM	15 Years	5.750%	7.716%	7.750%	$8.30

*Interest rate and APR is effective as of February 13, 2024 and is subject to increase. Interest rate and APR (annual percentage rate) shown above assume a $100,000 loan amount and a 30% down payment/equity position. The maximum loan to value (LTV) is 70%. The minimum loan amount is $50,000 and the maximum loan amount is $766,550. The subject property must be a legal building lot and meet all credit union policy guidelines. All loan applications are subject to credit underwriting and property approval. Other restrictions or considerations may apply. Please contact a mortgage loan originator for additional requirements.

**Monthly payments do not include real estate taxes. Your payment obligation may be greater.

You must become a member of the Polish National Credit Union if you are granted a loan and must remain a member for the life of the loan. Membership is attained by opening deposit account and is open to individuals who live, work, worship or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.

First Time Home Buyers

Program	Maximum Term	Interest Rate*	APR*	Fully Indexed Rate	Monthly Payment per $1,000**
Fixed	30 Years	6.625%	6.824%		$6.40

*Interest rate and APR is effective as of October 29, 2024 and is subject to change without prior notice. Interest rate shown above is specific to each loan application and may increase based upon loan amount, credit score, loan to value (LTV), property type and other applicable factors. Interest rate and APR shown above is applicable for the purchase of a single family, owner occupied home with a maximum loan amount of $275,000, a maximum 70% LTV and a minimum 780 credit score. Your interest rate and APR may be higher than shown above. Private Mortgage Insurance (PMI) is required for down payments less than 20%. Homeowner's insurance and flood insurance (if applicable) are required. Maximum loan amount is $766,550. If more than one borrower, at least one must not have owned a home within the last three (3) years. Borrower(s) must provide evidence of attending a valid First Time Home Buyer course or class. Ask us for details. Minimum 3% down payment required. Borrower(s) must open a PNCU Perks checking account prior to closing and agree to automatic loan payments and paperless billing. All loan applications are subject to underwriting and property approval, and must adhere to all secondary market requirements. Other restrictions or considerations may apply.

**Payments do not include real estate taxes or insurance. Your payment obligation may be greater.

You must become a member of the Polish National Credit Union if you are granted a loan and must remain a member for the life of the loan. Membership is attained by opening deposit account and is open to individuals who live, work. worship or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.

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