First Federal Savings & Loan Association

Loan Rates⁽¹⁾

Type of Loan	Interest Rate	Fee	APR	PMT
30-year fixed ⁽²⁾	6.500%	1.00%	6.66%	$948.10
15-year fixed ⁽²⁾	6.000%	1.00%	6.26%	$1,265.79
7-year balloon ^{(2) (3)}	6.375%	1.00%	6.69%	$935.80
Fixed equity, 15-year ⁽⁴⁾	7.50%	1.00%	7.66%	$139.05
New auto/boat, 5-year ⁽⁵⁾	5.99%	0.00%	5.99%	$193.28

(1) All loan rates are subject to change at any time. All loan products offered shall be subject to applicable laws of the State of Oregon and federal laws and regulations. All loans are subject to credit approval. Quoted fixed-rate mortgage loans are approved in accordance with the Federal Home Loan Mortgage corporation (Freddie Mac) lending guidelines. Other programs are available.

(2) Rates quoted are for owner occupied purchase and non-cash out refinance loans of $417,000 or less. Call for other programs. The payment and APR are based on a loan amount of $150,000.00.

(3) 30-year amortization with principal balance due in 7 years.

(4) Equity Loan - Rate quoted requires an automatic payment transfer from a First Federal checking account. The payment and APR are based on a $15,000 loan. Maximum combined loan to value ratio (LTV) is 80%.

(5) New auto/boat loan applies to purchase of new or demo models. Maximum loan to value ratio (LTV) is 85%. The payment and APR are based on a loan amount of $10,000.00