Routing Number: 211180133
360FCU offices will be closed
Monday, May 29 in observance
of the Memorial Day holiday.
Get a revolving line of credit and save money right from the start. No title search fees, no appraisal fees, no closing costs, no annual fee or prepayment penalties.
Whether you're buying your first home or refinancing an existing one we have the right mortgage for you!
Tap into the equity in your home to pay for college, consolidate debt, remodel, travel, your options are endless! No title search fees, no appraisal fees, no closing costs, no annual fee or prepayment penalties.
APR = Annual Percentage Rate.
1) Rate based on $100,000 loan amount and 20% down payment. Rates apply to owner occupied, primary residence or second home, purchase and no-cash-out refinance. Investment properties ineligible. Maximum financing; 1 Unit, 95%; 2 - 4 Unit, 80%; Condominium or PUD, 90%. Points paid are a percentage of the loan amount (1 point = 1% of loan amount.)
ARM= Adjustable Rate Mortgage. Rates quoted are variable rates. 1 Year ARM, rates subject to change annually. 5/1 ARM, rate fixed for the initial 5 year period. Subject to change annually thereafter.
2) Interest on the portion of the loan that exceeds fair market value is not deductible for federal income tax purposes. Consult your tax advisor.
3) Rates apply to owner occupied, 1 - 4 family properties.
Minimum loan amount $10,000.
Rates listed are based on our credit grade "A".
Your rate may vary depending on your term selected and individual credit score.
Ask us about our Credit Plus+ Lending program
Fixed Rate Home Equity Loan CLTV Limits: CLTVs between 80.01% - 90%% have a maximum 10 year loan term and maximum loan amount of $75,000.00.
4) Rates apply to owner occupied 1 - 4 family primary residences. This HELOC is a monthly variable rate loan.
The APR can change at each billing cycle and cannot increase more than 6.00% above the initial rate, at no point will the APR go below our floor rate of 3.50%.
Minimum loan $10,000.
HELOC Add ons: (CLTV); 80.01% to 90%: Add 1.00% to prime rate (Prime currently at 4.00%).
Max line of credit amount $75,000.
All loans and lines subject to credit approval.
Rates are effective as of the date shown and are subject to change without notice.
Payment Example: On a 5 year Home Equity Loan, borrowing $40,000 at 2.99%, your monthly P&I payment would be approximately $718.57.
Term: 15 Years. 5 year draw period. 10 year P&I payback period.
Rate: Prime Rate Minus 1.00%.
Payment Example: On a 30 year mortgage, $200,000 purchase price with $40,000 or 20% minimum down payment required, 0 points at 4.125%, your monthly P&I payment would be approximately $775.44. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.