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JSC FCUMORTGAGES

OFFER:JUMBO LOANS - NO ORIGINATION FEE1

NO CLOSING COST OPTION2

DISCOUNT ON ORIGINATION FEE3

COMPETITIVE LOAN RATESNO APPLICATION FEESCONVENIENT TERMS

MORTGAGE THAT’S RIGHT FOR YOU

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OPEN A FREE CHECKING ACCOUNT WITH PAYROLL DIRECT DEPOSIT • HOME BANKING • VISA DEBIT CARD • eSTATEMENTS

Present this flyer at any JSC FCU Branch or open your account online4. 1No origination fee offer only applies for mortgage loans financed in excess of $424,100. 2The total amount paid by JSC FCU and the seller cannot exceed 3% of the total amount financed based on a 95% loan-to-value ratio. The only items you will be responsible to pay for are the down payment and recurring costs which are property taxes, homeowner’s insurance, HOA dues and prepaid per diem interest. By accepting the no closing cost option, the rate will be 0.75% higher than if you choose to pay for closing cost. There will be a 2% pre-payment penalty on the unpaid principal balance if the loan is paid in full within the first two years of the loan. JSC FCU also provides an option without a pre-payment penalty. Certain credit and income qualifications may apply. Investment properties, Jumbo Loans and mortgage refinances are not eligible for this offer. Please contact a representative for more details. 3Discount on origination fee is based on the amount that is financed and cannot be combined with the no closing cost option. Please contact a JSC FCU representative for more details. 4The offers in this mailer are subject to membership eligibility. For full disclosures please visit https://www.jscfcu.org/membership/become-a-member/membership. To qualify for the $100 deposit, you must be a JSC FCU member or become a member (by opening a Savings Account with a minimum $5 deposit) of JSC FCU, and open a new Checking Account with Payroll Direct Deposit, VISA Debit Card, Home Banking and eStatements. Existing Checking accounts, Secondary Checking Accounts or Secondary Money Market Accounts are not eligible to receive the $100 incentive. A minimum deposit of $25 is required to open a Checking Account. For new members, you must open the Checking Account at the same time you join JSC FCU. The $100 will be deposited after the 1st direct deposit into the Checking Account. Allow up to three weeks after the 1st direct deposit for the incentive to be applied. The direct deposit must be completed 60 days of the account opening. APY is Annual Percentage Yield. Share Drafts are compounded and paid monthly. The APY, effective as of 01/19/2017, for interest bearing checking accounts is 0.05%. The APY, effective as of 01/19/2017, for interest bearing savings accounts is 0.25%. Interest rates are variable and may change. Minimum balance of $750 is required to earn 0.05% on interest bearing checking accounts. Fees may reduce earnings on the account. “Bonus” is considered interest and may be reported to IRS Form 1099-INT. Please consult your tax advisor on any legal, tax, or financial issues related to your bonus or personal matters. All offers expire in this mailer on 06/30/2017. JSC FCU reserves the right to cancel or change this promotion at any time.

Get a $1004Bonus!SPRING USE ONLINE PROMO CODE: