Advertised Annual Percentage Rate (APR) as of 12/4/2025 and available for qualifying properties with a loan-to-value ratio (LTV) of 80% or less. A minimum credit score of 675 is required for all borrowers. Maximum loan amount is $1,500,000. Property insurance (and flood insurance if applicable) required. Account subject to individual approval. Rates and APRs subject to change without notice. 1-3 family owner-occupied properties only. Second homes and condos ok, subject to eligibility. Repayment example: 20 years – $7.16 per $1,000 borrowed for 240 months. Repayment example does not include amounts for taxes and insurance premiums. Equal Housing Lender.

Existing Coastal1 Credit Union Spectrum Home Loans are not eligible for this promotion. 7.375% APR available for qualifying properties, first lien position equity, with a loan-to-value (LTV) of 80% or less, and a maximum repayment period of 144 months. A minimum credit score of 675 is required for all borrowers. Advertised APR is lowest available as of 12/4/2025. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. Account subject to individual approval. 1-4 family owner-occupied primary residence properties only. Repayment example: $10.48 per $1,000 borrowed, based on 7.375% APR, 144 monthly payments. Equal Housing Lender.