**The rate can adjust up or down no more than 2% from the previous year’s rate, and no more than 5% from the start rate over the life of the loan. *APR = Annual Percentage Rate. The estimated calculation is based on the following additional assumptions: (1) the property is located in one of the following states: Maryland, Delaware and certain portions of Pennsylvania (2) an escrow account may be required such that any applicable taxes and insurance costs are collected monthly with your mortgage payment. Your actual interest rate may differ depending on a number of factors, including your credit history and loan characteristics. This is not a credit decision or a commitment to lend. ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/6 ARM, 7 years for a 7/6 ARM .ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/6 ARM, 7 years for a 7/6 ARM). The initial rate can change every 6 months after the fixed-rate period (5 years for a 5/6 ARM, 7 years for a 7/6 ARM) based on a fully indexed rate (30 Day Average SOFR, plus margin of 2.75%) by no more than 2 percentage points, never to exceed 5 percentage points above the initial rate.The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $320,000 and an estimated property value of $400,000 resulting a loan tovalue of 80%. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 740. Property insurance is required. Flood insurance may also be required. Loan subject to credit approval. Membership eligibility required. Ask for details. Escrow options available.Loan payment example: 80% LTV of $320,000 at a rate of 5.375% fixed for first 5 years, will have principal and interest monthly payment of $1,791.91.Thereafter payments will vary with rate changes described herein. Payments do not include taxes and insurance premiums and the actual payment obligations may be greater.