*Zero Closing Costs are available for 700+ credit score borrowers only. Title insurance may be required at borrower's expense, if aggregate lien amount exceeds $250,000. 1Annual Percentage Rate (APR) of 3.99% based on a 20 year term, 700+ credit score, available up to 80% combined loan-to-value, and minimum amount of $15,000 new money. Requires a monthly payment of $6.06 per $1,000 borrowed. Property must be owner-occupied primary residence. Subject to credit approval. Other rates and terms are available. Offer subject to change or withdrawal at any time. Rate is subject to change at any time without notification. Must meet credit union membership and loan requirements. ARC Federal Credit Union NMLS# 780052.