SEFCU - Conventional Fixed Rate

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CURRENT RATES

TODAY'S RATES: Conventional Fixed Rate
Loan Sub-Account Description	Rate* Effective 11/6/2009 PM*	Points	Annual Percentage Rate (APR)
30 Year Fixed	4.750%	1.75	4.90%
30 Year Fixed	5.000%	0.50	5.04%
30 Year Fixed	5.125%	0.00	5.13%
20 Year Fixed	4.625%	2.00	4.86%
20 Year Fixed	4.875%	0.75	4.97%
20 Year Fixed	5.000%	0.00	5.00%
15 Year Fixed	4.250%	1.25	4.44%
15 Year Fixed	4.375%	0.25	4.41%
15 Year Fixed	4.500%	0.00	4.50%
10 Year Fixed	4.250%	1.25	4.52%
10 Year Fixed	4.375%	0.25	4.43%
10 Year Fixed	4.500%	0.00	4.50%

Owner Occupied

For 90 day locks, add 1/2 point.

*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 70.01%-80% that qualify, add .50 to the points quoted above.

Minimum downpayment is 5%, unless applying for Alt'97 which is 3%.

Both Conventional and Alt'97 loan rates can be locked for 55 days at any time from application, up to 3 days prior to closing.

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