Advertised Introductory 3.49% Annual Percentage Rate (APR) is the lowest available and is fixed for the first 16 months.  After initial 16 monthly billing cycles, rate becomes variable based on the Wall Street Journal Prime Rate (Prime) + a margin (determined by individual creditworthiness and loan-to-value ratio), with a floor of 3.25% (4.75% APR as of 7/1/2022).  Account subject to individual approval. 1-4 family, owner-occupied, primary residence properties only. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. APR will not exceed 21% or fall below 3.25%. No annual fees.  Equal Housing Lender.

Existing Coastal1 Credit Union Spectrum Home Loans are not eligible for this promotion. 5.250% APR available for qualifying properties, first lien position equity, with a loan-to-value (LTV) of 80% or less, and a maximum repayment period of 144 months. A minimum credit score of 675 is required for all borrowers. Advertised APR is lowest available as of 7/1/2022. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. Account subject to individual approval. 1-4 family owner-occupied primary residence properties only. Repayment example: $9.38 per $1,000 borrowed, based on 5.250% APR, 144 monthly payments. Equal Housing Lender.

4.750% Annual Percentage Rate (APR) available for qualifying properties with a loan-to-value (LTV) of 80% or less, and a repayment period of 60 months. A minimum credit score of 675 is required for all borrowers. Advertised APR is lowest available (as of 7/1/2022). Other rates and terms available. Interest rate will be determined by individual creditworthiness and loan-to-value ratio. Account subject to individual approval. 1-4 family owner-occupied primary residence properties only. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. Repayment example: $ per $1,000 borrowed, based on 4.750% APR, 60 monthly payments. Equal Housing Lender.