*Annual Percentage Rate (APR) is based on a 7/1 Adjustable-Rate Mortgage (ARM). An adjustable-rate mortgage has a monthly payment that may change over the term of the loan. With our 7 Year Adjustable-Rate Mortgage, your rate won’t change for the first seven years of the loan and may increase each year afterward based on market conditions, subject to the specific terms of the loan. To qualify for a 5.25% rate on a 7/1 ARM, you’ll need a primary residence single-family home, rate-and-term refinance (no cash-out), a minimum 780 credit score, and an LTV at or below 70%. Advertised rate is not guaranteed, is subject to change without notice, and may vary based on credit score, loan amount, and other factors. Subject to credit approval. Offer expires May 15, 2026.

Example based on refinancing a $450,000 mortgage from a 7.00% interest rate to a 5.25% rate. Monthly payments would drop from $2,993.86 to $2,484.58 (principal and interest only), resulting in estimated savings of $509.28 per month, or $6,111.36 over 12 months. Actual savings may vary based on loan amount, credit profile, property type, fees, and final loan terms.

To receive the 0.125% rate discount, the loan must be set up with an automatic payment deduction from a Union Savings Bank personal checking or savings account. The discounted rate will remain in effect as long as automatic payments (ACH) from a Union Savings Bank account continue. If the ACH payment is canceled, the interest rate will increase by 0.125%.