"Check" on a Home Equity Line-of-Credit or Loan Today!

Whether your "to do" list includes little chores or big dreams, SAFE FCU has a simple solution: A Home Equity Loan or Line-Of-Credit

Here's how it works:

• You apply one time. It's quick, easy and fee free with a minimum advance of $15,000.
• When you need cash, you simply write a check or transfer money.
• On a Home Equity Loan you borrow a specific amount on a fixed-rate of interest.

Since your home acts as collateral, you can enjoy a terrific low rate. The interest you pay may be tax deductible (consult your tax advisor), and you can borrow up to 80% of your available equity. A Home Equity Product gives you freedom, flexibility and advantages you simply won't find anywhere else.

• SAFE Federal Credit Union is here for you from start to finish! Apply for a Mortgage with SAFE FCU here!

For more information on any of the listed products, please call our Mortgage Department at (803) 469-8600 Ext 313.

.

Do you want to enter your retirement years mortgage-free?

You can with our new Freedom 10 Mortgage

Freedom 10 Mortgage Highlights

• Low, fixed 3.875% APR for 10 years (4.00% APR for 15 years).*
• No closing costs** or appraisal.
• No prepayment penalties.
• Draw up to 75% loan-to-value. Use the extra cash however you want!***

Make your future brighter and own your home within 10 years!

* Rate is current as of 5/16/12 and reflects all possible discounts. Member must qualify for loans. Rate is based on applicant's creditworthiness and may vary from that shown above. Cannot be combined with any other offer. Offer excludes all loans already financed at the Credit Union. There may be tax benefits. Check with a tax advisor regarding potential tax savings. First mortgage cannot be greater than $150,000 and must be paid off with this loan. SAFE FCU will not subordinate if member takes out another mortgage on the property with another lender.

** No closing costs on loans greater than or equal to $15,000. Closing costs for loans less than $15,000 are based on attorney's fees. SAFE FCU will pay closing costs up to $400.00.

*** $5,000 minimum loan required.

SAFE Federal Credit Union offers members the ability to apply online for a mortgage loan. Whether you are purchasing, renovating, building or refinancing, SAFE's online application will put you one step closer to making your dreams come true.

SAFE offers an array of products to meet every members mortgage need.

• Conventional Loans
• Second Homes
• Investment Property
• Jumbo Loans
• FHA
• VA
• USDA (Rural Property)
• Mobile Homes
• Land

.

SAFE IS GOING GREEN!

When it comes to doing the right thing to protect the environment, every little bit counts. However, sometimes doing the right thing may not always be affordable.

To lower the overall cost of making energy efficient home improvements or the purchase of a hybrid vehicle, SAFE is offering members reduced rate loans.

"GO GREEN" Home Equity Loan:

Finance your energy-efficient home upgrades with SAFE and you'll be able to take advantage of our reduced rate up to 1%. Loan will be a closed-end, fixed-rate loan.*

• A green home improvement loan can include the following:
• Energy efficient appliances
• Efficient lighting
• Window replacement
• Water saving or low flow sprinkling systems, drought resistant/ecological landscaping
• Water heating reduction appliances and equipment
• Energy efficient roofing
• Solar, including passive; wind power
• Heating/cooling
• Insulation
• Waste reduction; recycling; and composting.

* Purchase must meet requirements of SAFE Green Project List. Minimum loan amount is $15,000. Maximum term is 180 months. A minimum of 50% of the loan must go to the energy efficient home improvement. Discounts are prorated.

Save money, save energy, and save the environment!

.

Home Rewards Program

Your dream can be a reality! Buying and/or selling a home can be a stressful life event, whether you are doing it for the first time or the fifth! SAFE Federal Credit Union helps eliminate that stress by offering you many mortgage options to make your financing decision easier. And by using SAFE's Home Rewards - Real Estate Assistance Program, we will help to eliminate the challenge of finding the right home and getting you settled in. You will reap the rewards of working with our real estate expert team, and get cash back* too!

SAFE's Home Rewards - Real Estate Assistance Program saves you time and money by putting the best real estate professionals to work for you. Work with specially-trained agents from national brokers you know and trust - CENTURY 21®, Coldwell Banker®,
ERA®, and Sotheby's International Realty®.

When you buy and/or sell your home or investment property through the SAFE's Home Rewards program, you'll reap the rewards:

• Personal attention: a dedicated program specialist who'll provide you with one-on-one attention and guidance throughout the entire purchase and/or sales process
• Experienced real estate coordination
• Recommendation of top tier, background checked, certified local real estate agents
  from nationally recognized brokers
• Cash-back bonus - earn cash back* on the sale and/or purchase price of your home when you close through our recommended broker.

Sales Price of Property

$50,000 - $99,999         $200
$100,000 - $149,999     $500
$150,000 - $199,999     $700
$200,000 - $249,999     $800
$250,000 - $299,999     $1,000
$300,000 - $349,999     $1,200
$350,000 - $399,999     $1,400
$400,000 - $449,999     $1,600
$450,000 - $499,999     $1,800
$500,00 and more          $2,000

Additional Benefits:

• Need to self move? Receive discounted rates from Budget Truck Rental - call 1(800)506-4075 and mention code #56000049449
• HomeExpress - full service movers, competitive rates, receive a free moving estimate call 1(800)343-8099
• Need storage? PODS offers a nationwide solution for portable on demand storage - call 1(866)667-5573 and mention code: CPBC
• Renting? EasyTourism Rental Program helps you find the right place at the right price - call 1(866)647-4403
• Homes.org, provider of utility, phone, cable, TV and Internet service connect/disconnect. Nationwide transfers & discounts call 1(877)665-4561.

Let SAFE's Home Rewards Program make your next move your best. Call today at 1 (800) 379-2041.

* Cash back not available by law in some states. All real estate commissions are
negotiable. You must be represented by the assigned Program real estate firm at
closing to qualify. Contact the SAFE Home Rewards program for terms and
conditions and to confirm eligibility.

• Apply for a Mortgage with SAFE FCU here!

For more information on any of the listed products, please call our Mortgage Department at (803) 469-8600 Ext 313.

* This is a printer friendly version of the original page, made to save you ink and paper.

MORTGAGES