The OMNI Mortgage Experience

10/1 ARM Mortgage Disclosure

*Available to all borrowers on a purchase transaction using a conventional 10/1 ARM loan product with OMNI Community Credit Union. The loan example is current as of 12/19/2025 and based on a $175,000 loan amount with a conventional 30-year ARM term (360 monthly principal and interest payments of varying amounts): initial 5.125% Interest Rate with an Annual Percentage Rate (APR) of 5.697% for years 1-10 (120 monthly principal and interest payments of $952.58); first adjusted interest rate can increase or decrease by 2% (3.125%-7.125%) for 1 year (12 monthly principal and interest payments of $801 - $1,119); second adjusted interest rate can increase by 2% or decrease as low as the rate minimum (2.75% - 9.125%) for 1 year (12 monthly principal and interest payments of $776 - $1,290); subsequent adjustments can increase to the rate maximum (10.125%) or decrease to the rate minimum (2.75%) each year for years 10-30 (annually adjusted monthly principal and interest payments of $776 - $1,377); 30% Down Payment; Rates quoted assume excellent borrower credit history. Payment example does not include taxes and insurance; the actual payment obligation will be higher. This is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. OMNI Community Credit Union (3141 Capital Ave SW, Battle Creek, MI 49015 | 269-441-1400 | NMLS ID: 406077). For registration information, please visit nmlsconsumeraccess.