Offer is for new loans only. Offer does not apply to existing CAMPUS loans. Programs, rates, terms and conditions are subject to change without notice. Credit approval, sufficient income, adequate property valuation and first mortgage position are required. Higher rates apply to non-owner-occupied properties. Offer excludes mobile homes, condos and sites greater than 5 acres; certain other restrictions apply. Property insurance is required; an appraisal, flood and/or title insurance may be required at an additional expense to the borrower. 1. Subject to credit approval. For example, a $200,000 purchase with a $6,000 down payment at 4.375% for 360 months would require 359 monthly payments of $968.95 and a final payment of $968.15, total finance charge of $154,821.20; for a total of payments of $348,821.20. The amount financed is $192,515.00; the APR is 4.865%. APR = Annual Percentage Rate. Payment example does not include amounts for taxes and insurance, if applicable, the actual payment obligation may be higher. Based on payment and purchase example, approximate Private Mortgage Insurance payment is $85.68 per month. 2. $500 Gift Card or $500 credit toward closing presented at the time of closing. Only one gift card or credit per household.