Current Mortgage (Home) Rates

Fixed Rate

Term	Interest Rate*	APR*	Monthly Payment Per $1,000**
30 Years	5.750%	5.936%	$5.84
30 Year (Portfolio)	6.125%	6.317%	$6.08
20 Year	5.375%	5.618%	$6.81
15 Years	5.250%	5.556%	$8.04
10 Years	5.125%	5.559%	$10.67

*Interest rates and APR's are effective as of January 14, 2026, and are subject to change without prior notice. Maximum 95% loan to value (LTV). Interest rates are specific to each loan application and may increase based upon credit score, loan to value (LTV), loan purpose, property type and other applicable factors. Interest rates and APRs (annual percentage rate) shown above are applicable for the purchase or no-cash out refinance of a single family, owner occupied home with a maximum loan amount of $275,000, a maximum 70% LTV and a minimum 780 credit score. Your interest rate and APR may be higher than shown above. Private Mortgage Insurance (PMI) is required for down payments less than 20%. Homeowner’s insurance and flood insurance (if applicable) are required. **Payments do not include real estate taxes or insurance. Your payment obligation may be greater. Maximum loan amount is $832,750. All loan applications are subject to credit underwriting and property approval. All applications for fixed rates must comply with secondary market guidelines. 30 year (portfolio) program is available for non-conforming loans. All products shown above are for the finance of 1-4 family owner occupied properties only. Other restrictions or considerations may apply. Please contact a mortgage originator for more information.

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Fixed Rate Jumbo

Term	Interest Rate*	Points	APR*	Monthly Payment Per $1,000**
30 Years	6.875%	0	7.073%	$6.57

*Interest rate and APR is effective as of January 2, 2026, and is subject to change without notice. For loan amounts greater than $832,750 up to $1,000,000. Interest rate and APR (annual percentage rate) shown above assume a $832,750 loan amount and a 20% down payment/equity position. The maximum loan to value (LTV) is 80%. Homeowner’s insurance and flood insurance (if applicable) are required. **Payments do not include real estate taxes or insurance. Your payment obligation may be greater. All loan applications are subject to credit underwriting and property approval. Interest rates are specific to each loan application and may change based on borrower's credit score, loan to value (LTV), loan purpose, property type and other applicable factors. Your interest rate and APR may be different than shown above. This product is for the finance of owner occupied properties only. Other restrictions or considerations may apply. Please contact a mortgage originator for more information.

Membership is required.

Adjustable Rate SPECIAL

Program	Maximum Term	Interest Rate*	APR*	Fully Indexed Rate	Monthly Payment per $1,000**	Monthly Payment per $1,000 Fully Indexed**
7/1 ARM	30 Years	5.000%	5.896%	6.500%	$5.37	$6.32

*Interest rate and APR is effective as of January 2, 2026, and is subject to increase. Interest rate and APR (annual percentage rate) shown above assume a $100,000 loan amount and a 20% down payment/equity position. Maximum 95% loan to value (LTV), 1-4 family, owner occupied. Caps are 2% per adjustment and 6% lifetime. Margin is 2.875% and the index is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System with a value of 3.61% as of 12/02/25. Homeowner’s insurance and flood insurance (if applicable) are required. **Payments do not include real estate taxes or insurance. Your payment obligation may be greater. The minimum loan amount is $100,000 and the maximum loan amount is $832,750. Interest rate shown above is specific to each transaction and is subject to increase based upon the borrower’s credit score, loan to value (LTV), loan purpose, property type and other applicable factors. Your interest rate and APR may be different. A PNCU Perks checking account must be opened prior to closing and automatic loan payments from this account must be established. Your loan cannot close in this product until both requirements have been met. $1,000 closing cost discount will be applied as a lender credit at loan closing. This closing cost credit cannot be combined with any other offer or promotion and can be changed without prior notice. All loan applications are subject to credit underwriting and property approval. Other restrictions or considerations may apply. Please contact a mortgage loan originator for more information.

Membership is required.

Adjustable Rate

Program	Maximum Term	Interest Rate*	APR*	Fully Indexed Rate	Monthly Payment per $1,000**	Monthly Payment per $1,000 Fully Indexed**
5/1 ARM	30 Years	4.875%	6.022%	6.500%	$5.29	$6.32
10/1 ARM	30 Years	5.250%	5.843%	6.500%	$5.52	$6.32

*Interest rates and APR's are effective as of January 2, 2026 and are subject to increase. Interest rates and APRs (annual percentage rate) shown above assume a $100,000 loan amount and a 20% down payment/equity position. Maximum 95% loan to value (LTV). Caps are 2% per adjustment and 6% lifetime. The margin is 2.875% and the index is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System with a value of 3.61% as of 12/02/25. Homeowner’s insurance and flood insurance (if applicable) are required. **Payments do not include real estate taxes or insurance. Your payment obligation may be greater. Maximum loan amount is $832,750. All loan applications are subject to credit union underwriting guidelines and property approval. Interest rates shown above are specific to each transaction and are subject to change based upon the borrower's credit score, loan to value, loan purpose, property type and other applicable factors. Your interest rate and APR may be different. These products are for owner occupied properties only. Other restrictions or considerations may apply. Please contact a mortgage loan originator for more information.

Membership is required.

Construction Loans

Program	Maximum Term	Interest Rate*	APR*	Fully Indexed Rate	Monthly Payment per $1,000**
FIXED	30 Years	6.875%	7.224%	N/A	$6.57

*Interest rate and APR is effective as of January 2, 2026, and is subject to change without notice. Interest rate and APR (annual percentage rate) shown above assumes a $100,000 loan amount and a 20% down payment/equity position. The maximum loan to value (LTV) is 80%. Reserves are required. Homeowner's insurance and flood insurance (if applicable) are required. **Payments do not include real estate taxes or insurance. Your payment obligation may be greater. Maximum loan amount is $832,750. This products is for the construction of a single family, owner occupied home. A licensed general contractor is required. All loan applications are subject to credit union underwriting guidelines. Interest rate shown above is specific to each transaction and are subject to change based upon the borrower's credit score, loan to value (LTV) and other applicable factors. Your interest rate and APR may be different. Other restrictions or considerations may apply. Please contact a mortgage loan officer for additional information.

Membership is required.

Land Loans

Program	Maximum Term	Interest Rate	APR*	Fully Indexed Rate	Monthly Payment per $1,000**	Monthly Payment per $1,000 Fully Indexed**
1 Year ARM	15 Years	5.750%	6.653%	6.500%	$8.30	$8.71

First Time Home Buyers

New home owners with keys, happy woman hugs

Program	Maximum Term	Interest Rate*	APR*	Fully Indexed Rate	Monthly Payment per $1,000**	Monthly Payment per $1,000 Fully Indexed**
Fixed	30 Years	5.750%	5.936%	N/A	$5.84	N/A
12/1 ARM	30 Years	5.000%	5.568%	6.500%	$5.37	$6.32

*Interest rates and APR's (annual percentage rate) are effective as of January 14, 2026 and are subject to change without prior notice. Interest rates shown above are specific to each loan application and may increase based upon loan amount, credit score, loan to value (LTV), property type and other applicable factors. Interest rates and APR's shown above are applicable for the purchase of a single family, owner occupied home with a maximum loan amount of $275,000, a maximum 70% LTV and a minimum 780 credit score. Your interest rate and APR may be higher than shown above. Private Mortgage Insurance (PMI) is required for down payments less than 20%. Homeowner's insurance and flood insurance (if applicable) are required. 12/1 ARM caps are 2% per adjustment and 6% lifetime. The margin is 2.875% and the index is the weekly average yield on United States Treasury securities adjusted to a constant maturity of one year, as made available by the Board of Governors of the Federal Reserve System with a value of 3.61% as of 12/02/25. **Payments do not include real estate taxes or insurance. Your payment obligation may be greater. Maximum loan amount is $832,750. If more than one borrower, at least one must not have owned a home within the last three (3) years. Borrower(s) must provide evidence of attending a valid First Time Home Buyer course or class. Ask us for details. Minimum 3% down payment required, single family home or approved condominium. Borrower(s) must open a PNCU Perks checking account prior to closing and agree to automatic loan payments and paperless billing. All loan applications are subject to underwriting and property approval, and must adhere to all secondary market requirements. Other restrictions or considerations may apply.

Membership is required.

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