SEFCU - Conventional Bi-Weekly Rate

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CURRENT RATES

TODAY'S RATES: Conventional Bi-Weekly Rate
Loan Sub-Account Description	Rate* Effective 11/20/2009 PM*	Points	Annual Percentage Rate (APR)
30 Year Fixed	5.000%	1.00	5.09%
30 Year Fixed	5.125%	0.75	5.19%
30 Year Fixed	5.250%	0.00	5.24%
15 Year Fixed	4.250%	1.50	4.49%
15 Year Fixed	4.500%	0.50	4.57%
15 Year Fixed	4.500%	0.00	4.49%

Owner Occupied

Minimum downpayment is 5%.

Conventional Loan Rates can be locked for 55 days at any time from Application, up to 3 days prior to Closing.

*Rates are posted twice a day (AM and PM) and are subject to change without notice.

For non-owner occupied rates please call 518-464-5357.

For cash out refinances with loan-to-value ratios between 70.1%-80%, add .50 to the points quoted above.

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