Mortgage Loans

Effective 07-20-2006

We partner "Purchase Property" loans with 1st Rate Mortgage of Oshkosh, Inc Please call 920-233-1952, ext. 23 for details.
Occu has adopted a "merit based" method for determining mortgage rates. Unless otherwise noted, rates are quoted for a credit score "A+".
Type	Term	Rate
MORTGAGE LOANS for the purpose of REFINANCING (3-yr. Payable Feature)
1st Mortgages 80%LTV	15 years or less	6.40%APR
	Over 15 years	6.75%APR
2nd Mortgages 80%LTV	15 years or less	7.05%APR
	Over 15 years	7.40%APR
HOME EQUITY LOANS (Closed End) (3-yr. Payable Feature)
80%LTV	Not to exceed 15 years	6.80%APR
5-Yr. Fixed Rate	Not to exceed 5 years	6.30%APR
VACANT LOT/LAND PARCEL EQUITY
Up to 80%LTV		Follows Equity Rates up to 15 yrs, Follows Refinance rates over 15 years.
NON-OWNER OCCUPIED
Up to 80%LTV		1.% above Refinance or Equity rates.
POWERLINE HOME EQUITY LINE-OF-CREDIT ($50,000.00 Limit)
80%LTV		Prime Rate
Rate changes quarterly according to the index rate published in the Wall Street Journal's Money Market.

MORTGAGE TERMS
5 to 10 Yrs	Up to $15,000.00
Over 10 to 15 Yrs	$15,001. To $30,000
Over 15 to 20 Yrs	$30,001. To $50,000
Over 20 to 25 Yrs	$50,001. To $75,000
Over 25 to 30 Yrs	$75,001 To $125,000

Rates states as Annual Percentage Rate/APR.
These rules and rates are subject to change.