APR = Annual Percentage Rate. All offers subject to creditworthiness, OC Federal Credit Union lending policies, and membership eligibility. OC Federal Credit Union may discontinue or modify offers without notice. OC Federal Credit Union is federally insured by the NCUA and is an Equal Housing Lender. NMLS #413040

1 ARM=Adjustable Rate Mortgage APR= Annual Percentage Rate. All offers subject to creditworthiness, OC Federal Credit Union lending policies, membership eligibility, and subject to change without notice depending on market conditions. Available for Purchase and Refinance transactions. 3/1 ARM is fixed for three years. After the initial fixed-rate period, your interest rate can increase or decrease yearly according to the market index.  Maximum 80% LTV, minimum 760 credit score for the advertised rate. Other rates and terms available. Add 1.50% to rate for Single-family residence non-owner occupied property and add 1.75% to rate for 2-4 unit property. 3/1 ARM details and estimated monthly payment can be obtained by contacting an OC Federal Loan Officer.  The purchase of one $5.00 membership share required to be maintained in your share savings account. Equal Housing Lender. NMLS #413040 Equal housing lender. NMLS#413040

²APR=Annual Percentage Rate. APR is current as of August 1, 2025 and covers single-family owner-occupied home with a maximum loan-to-value of 79.99%. Loan is first position. Rate is fixed. Offer is subject to credit approval and cannot be combined with any other offer. Minimum loan amount of $50,000 and maximum loan amount of $350,000. The loan may not be used to pay off any existing OC Federal loan balances. Property insurance required which may include flood insurance, if applicable. A sample fixed-rate home monthly payment based on $100,000 at 5.99% rate with a 6.11% APR for 180 months, loan fees of $799 is $850.05. Offer may be modified or discontinued without prior notice. Interest may be tax deductible, consult your tax advisor. Equal housing lender. Federally insured by NCUA. NMLS#413040.

³APR= Annual Percentage Rate. All rates subject to credit approval, program guidelines, and are subjects to change without notice depending on market conditions. Loan level pricing adjustments and/or lender discretion and are based on a 45-day rate lock. Maximum loan amount of $806,500 for conventional financing. Mortgage Loan: $200,000 borrowed for 360 months (30 years) with an APR of 7.062% would have a monthly payment of $1,051.09. Estimated monthly payment and APR calculation are based on a fixed-rate period of 30 years, a down payment of 20% and fees of $3,000. Estimated monthly payment does not include amounts for other fees, taxes, and insurance premiums if applicable, and the actual payment obligation will be greater. Escrow for property taxes, hazard insurance, and mortgage insurance (if applicable) required; escrow waiver fee is $350. Due at time of closing. Stated rates are not eligible for loan modifications. Maximum 90-day rate lock, less than or equal to 80% LTV, and a minimum 740 credit score. The purchase of one $5.00 membership share required to be maintained in your share savings account. Equal Housing Lender. Equal Housing Lender. NMLS #413040