Mortgage Rates

Fixed Rate

Term	Interest Rate*	APR*	Monthly Payment Per $1,000**
30 Years	6.125%	6.311%	$6.08
30 Year (Portfolio)	6.500%	6.692%	$6.32
20 Year	5.750%	5.992%	$7.02
15 Years	5.500%	5.801%	$8.17
10 Years	5.500%	5.928%	$10.85

*Rates and APR's are effective as of March 23, 2023 and are subject to change without prior notice. 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. 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 60% LTV and a minimum 740 credit score. Your rate and APR may be different than show above. Private Mortgage Insurance (PMI) is required for down payments less than 20%. Homeowner’s insurance and flood insurance (if applicable) are required. Maximum loan amount is $726,200. 1 and 2 point options may also be available. All loan applications 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 owner occupied properties only. Other restrictions or considerations may apply.

**Payments do not include real estate taxes or insurance. Your payment obligation may be greater.

You must become a member of the Polish National Credit Union if you are granted a loan and must remain a member for the life of the loan. Membership is attained by opening deposit account and is open to individuals who live, work, worship or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.

Fixed Rate Jumbo

Term	Interest Rate*	Points	APR*	Monthly Payment Per $1,000**
30 Years	6.625%	0	6.819%	$6.40

*Rate and APR is effective as of March 13, 2023 and is subject to change without notice. For loan amounts greater than $726,200 up to $1,000,000. Rate and APR (annual percentage rate) shown above assume a $726,200 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. All loan applications are subject to credit underwriting and property approval. 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 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.

**Payments do not include real estate taxes or insurance. Your payment obligation may be greater.

You must become a member of the Polish National Credit Union if you are granted a loan and must remain a member for the life of the loan. Membership is attained by opening deposit account and is open to individuals who live, work, worship or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.

Adjustable Rate

Program	Maximum Term	Interest Rate*	APR*	Fully Indexed Rate	Monthly Payment per $1,000**
5/1 ARM	30 Years	5.500%	7.149%	8.000%	$5.68
7/3 ARM	30 Years	5.875%	6.792%	8.000%	$5.92
10/1 ARM	30 Years	6.000%	6.831%	8.000%	$6.00

*Rates and APR's are effective as of March 17, 2023 and are subject to increase. Rates and APRs (annual percentage rate) shown above assume a $100,000 loan amount and a 20% down payment/equity position. Maximum 80% loan to value (LTV) on all ARM products. Homeowner’s insurance and flood insurance (if applicable) are required. Maximum loan amount is $726,200. All loan applications are subject to credit union underwriting guidelines and property approval. 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 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.

**Payments do not include real estate taxes or insurance. Your payment obligation may be greater.

You must become a member of the Polish National Credit Union if you are granted a loan and must remain a member for the life of the loan. Membership is attained by opening a deposit account and is open to individuals who live, work, worship or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.

Construction Loans

Program	Maximum Term	Interest Rate*	APR*	Fully Indexed Rate	Monthly Payment per $1,000**
FIXED	30 Years	6.625%	6.967%	N/A	$6.40

*Rates and APR's are effective as of March 16, 2023 and are subject to change without notice. Rates 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. Maximum loan amount is $726,200. Theses products are for the construction of a single family, owner occupied home. A licensed general contractor is required. Contact a mortgage loan officer additional requirements. All loan applications are subject to credit union underwriting guidelines. Rates shown above are 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 rate and APR may be different. Other restrictions or considerations may apply. Other programs may be available. Please contact us for information.
**Payments do not include real estate taxes or insurance. Your payment obligation may be greater.

You must become a member of the Polish National Credit Union if you are granted a loan and must remain a member for the life of the loan. Membership is attained by opening deposit account and is open to individuals who live, work, worship or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.

Land Loans

Program	Maximum Term	Interest Rate	APR*	Fully Indexed Rate	Monthly Payment per $1,000**
1 Year ARM	15 Years	5.250%	6.959%	7.000%	$8.04

*Rate and APR is effective as of September 27, 2022 and is subject to increase. Rate and APR (annual percentage rate) shown above assume a $100,000 loan amount and a 30% down payment/equity position. The maximum loan to value (LTV) is 70%. The minimum loan amount is $25,000 and the maximum loan amount is $647,200. The subject property must be a legal building lot and meet all credit union policy guidelines. All loan applications are subject to credit underwriting and property approval. Please contact a mortgage loan originator for program details and additional requirements. Rates are 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 rate and APR may be different than shown above. Other restrictions or considerations may apply.
**Monthly payments do not include real estate taxes. Your payment obligation may be greater.

You must become a member of the Polish National Credit Union if you are granted a loan and must remain a member for the life of the loan. Membership is attained by opening deposit account and is open to individuals who live, work, worship or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.

First Time Home Buyers

Program	Maximum Term	Interest Rate*	APR*	Fully Indexed Rate	Monthly Payment per $1,000**
Fixed	30 Years	6.125%	6.311%	N/A	$6.08

*Rate and APR is effective as of March 23, 2023 and is subject to change without prior notice. Rate and APR (annual percentage rate) shown above assume a $100,000 loan amount and a 20% down payment/equity position. Private Mortgage Insurance (PMI) is required for down payments less than 20%. Homeowner’s insurance and flood insurance (if applicable) are required. Maximum loan amount is $726,200. 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. This product is for the purchase of an owner-occupied, single family home with a minimum down payment of 3%. Borrower(s) must agree to open a PNCU Perks checking account prior to closing and automatic loan payments with paperless billing. All loan applications are subject to credit underwriting and property approval and must conform to all secondary market requirements. Please contact a mortgage loan originator for more information. Rate shown above is specific to each transaction and is subject to change based upon credit score, loan to value (LTV), loan purpose, property type and other factors. Your interest rate and APR may be different. Other restrictions or considerations may apply.

**Payments do not include real estate taxes or insurance. Your payment obligation may be greater.

You must become a member of the Polish National Credit Union if you are granted a loan and must remain a member for the life of the loan. Membership is attained by opening deposit account and is open to individuals who live, work. worship or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.

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