* ARM=Adjustable Rate Mortgage. All loans subject to approval. Rate as low as 2.25% is fixed for the first 7 years of the loan term and will adjust annually for the remainder of the term. Annual Percentage Rate of 3.202% is fixed for the first 7 years of the loan term and will adjust annually for the remainder of the loan. Variable repayment terms of up to 30 years are available. Actual rate will be based on credit score. Credit scores are determined by the credit reporting agency. Existing CFCU Mortgage loans are not eligible for this promotion. No Closing Cost Loans require a 3-year recapture period, Transformation Checking with Direct Deposit, and Autopay. Payment example does not include escrow amounts for real estate taxes and/or insurance as applicable. Escrow and/or insurance will increase payment amount. NMLS #299582. Equal Housing Opportunity. Federally Insured by NCUA. Payment Example: The payment on a $100,000 loan at 2.25% with a 30-year amortization term is $382.25 per month for the first 7 years of the loan term after which the payment will adjust for the remainder of the term based on the adjusted rate.