| Credit Union | Other Institution | ||
| A.P.R. | Variable | ________% | ________% |
| Fixed | ________% | ________% | |
 A fee for property
appraisal |
$ ________ | ||
| An application fee | $0.00 | $ ________ | |
| Up-front charges such as one or more points | $0.00 | $ ________ | |
| (one point = one percent of the credit limit) | |||
| Closing costs |
$ ________ | ||
| (attorney fees, title search, mortgage preparation and filing, flood determination) | |||
| Transaction fees | $0.00 | $ ________ | |
| (fee every time you draw on the credit line) | |||
| Maintenance fees/yearly membership fees | $0.00 | $ ________ | |
| Loan Protection Insurance $25,000.00 | $0.00 | $ ________ | |
| (Term insurance that covers the insurable balance of loan up to $25,000.00 for death before age 70 or total and permanent disability before age 60) | |||
| TOTAL CHARGES AND FEES |
$ ________ | ||
*For a limited time, FEFCU will pay all processing fees up to $420.00 Processing fees include appraisal, flood determination, title search, attorney and lien search fees. $420.00 based on primary residence located in Summit County. Additional fees may apply based on the county in which the primary residence is located. To qualify for the limited time, "No Fee" special you must draw $20,000.00 for your first advance for 24 months. Actual rates, fees, and terms are based on those offered as of the date of application and are subject to change without notice. If you pay-off the loan for any reason within 24 months, a $420 early termination charge will apply to reimburse processing fees.