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Adjustable rate loans typically have an initial rate set below the rate offered on fixed-rate home loans; however, over time, the rate rises and, if the adjustable rate home loan is held long enough, the interest rate eventually surpasses the going rate for fixed-rate home loans. Adjustable-rate loans use a margin which adjusts in predetermined intervals based on a publicly available index. Auto Club Trust, FSB uses a margin to determine the interest rate charged for loans. This margin adjusts annually based on publicly available indexes. The indexes that Auto Club Trust, FSB uses include: LIBOR, New York Prime and Treasuries. At the time we provide a loan offer to you, we will disclose the specific margin, frequency we adjust the margin, and the index used for your specific loan. Modular, manufactured homes, condominiums, co-ops, leasehold interests and trusts are not eligible. Loans offered through Auto Club Trust, FSB NMLS # 799629