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*Adjustable rate mortgage (ARM). 15-year initial rate with annual percentage rate (APR) of 3.512% and an interest rate of 3.625% as of 11/6/2014. After 15 years rate is subject to change annually. The rate at the time of adjustment is based on the 1-year Constant Maturity Treasury index plus a margin of 2.75%. Current index is 0.11%. The rate is variable and is subject to credit approval. Additional terms and conditions may apply. Homeowners insurance required and flood insurance where necessary. Property must be primary residence, single family home. Maximum loan amount $900,000. Membership eligibility requirements apply. Company NMLS #480403