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1Annual Percentage Rate (APR). The rate may vary depending on each individual’s credit history and underwriting factors. Effective 8/01/16. Loans are subject to credit approval. California properties only. Membership in USC Credit Union required. Must Qualify for USCCU membership and membership fee may apply; please call (877-670-5860) or visit www.usccreditunion.org to confirm eligibility. The 3% down-payment is for purchase transactions only, single family residence, owner occupied, and maximum loan amounts up to $417,000. Private Mortgage Insurance (PMI) is required. Payment example is for illustration purpose only and is based on an 5-5 ARM with a 30 year loan term, a loan amount of $417,000 and a start rate of 3.000% / 3.298% APR which is subject to increase. 60 payments of $1,945.74 at an interest rate of 3.000%; 33 payments of $1,921.73 at an interest rate of 2.875%; 266 payments of $1,734.08 at an interest rate of 2.875%; 1 payment of $1,733.99 at an interest rate of 2.875%. Verification of income, assets, hazard, and, if applicable, flood insurance will be required. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.