APR = Annual Percentage Rate. On a $100,000 10/1 ARM amortized over 30 years with initial interest rate of 2.875%, with APR of 3.054%, after fixed period of 10 years rate may increase yearly, on the eleventh year your rate can increase by a maximum of 3% above the initial interest rate, and every year thereafter 2%, with a max lifetime cap of 5%. Payment example: Months 1-120 at 2.875% rate with a payment of $414.89, Months 121-359 at 3.04% rate with a payment of $421.13, Months 360 at 3.04% rate with a payment of $420.85. After the initial fixed -rate period, your interest rate can increase every year according to the market index.  Payment examples reflect a monthly payment of principal and interest only and your actual payment may be higher. Rates and payments are based on a loan amount of $100,000.00 for a land purchase, with 80% loan-to-value, and a representative credit score of 725+. Your actual APR will be based on your final loan amount and applicable costs Subject to credit approval. Rates, terms, and conditions effective as of 1/25/2022, are for sample purposes only and are subject to change at any time. Additional closing costs may apply. See a Mortgage Loan Officer for details. Loan subject to final credit approval and membership eligibility.