Here’s the legal stuff. *APR = Annual Percentage Rate, 12 month introductory rate of 3.99% APR includes relationship discounts. The current APR is as low as 5.75% effective 03/22/2019. Offer good March 1 - May 31, 2019. LTV up to 90% on primary/secondary residence and 75% on investment property. Not available on refinance of Numerica loans or on residences outside Washington or Idaho. Rate will increase after 12 month introductory period, depending on credit score and Prime rate and may change quarterly thereafter. The indexed rate is Prime + Margin. Prime rate is the Wall Street Journal Rate and as of 03/22/2019 is 5.50% and is subject to change. **Margin can be a minimum of .25% and a Maximum of 5.75%, depending on credit score, occupancy and relationship discounts. Variable rate will not be lower than 2.99% APR or higher than 18% APR. Subject to credit approval. Other terms and conditions may apply. If a full appraisal is required, the cost of the appraisal is the responsibility of the member. Credit Union membership fee is $20.