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* APY is Annual Percentage Yield. Additional APY disclosures. APR is Annual Percentage Rate. Additional APR disclosures. Credit Card Application & Solicitation Disclosure. ** 3.001% APR (Annual Percentage Rate). 12-year, fixed-rate home loan. Rates subject to change. Assumptions: Loan amount $249,900, processing fee $149, term of 144 months and monthly payments of $1,447.81. Appraisal and title insurance are extra if applicable. Rate shown is for up to 80% loan to value. Homeowner's insurance required. Offer subject to flood certification, property, title and value verification. 1 National average as of May 2013. For informational purposes only.