Mortgage Rates
Rates are subject to increases based on credit scores and the loan to value ratio or downpayment percentage.
| Adjustable Rate Real Estate Loans | ||
|---|---|---|
| TYPE OF LOAN | TERM | RATES |
| 1ST. MORTGAGE (OWNER OCCUPIED) | 10% DOWN 3YR. ARM NO POINTS | 5.250% APR |
| 1ST. MORTGAGE (OWNER OCCUPIED) | 10% DOWN 5YR. ARM NO POINTS | 5.500% APR |
| LAND/RECREATIONAL | 20% DOWN 3YR. ARM NO POINTS | 7.250% APR |
| Fixed Rate Real Estate Loans | ||
|---|---|---|
| TYPE OF LOAN | TERM | RATES |
| 7-YEAR | NO POINTS, LIMITED CLOSING COSTS, BI-WEEKLY PMTS | 5.775% APR |
| 10-YEAR | NO POINTS, LIMITED CLOSING COSTS, BI-WEEKLY PMTS | 5.875%APR |
| 15-YEAR | NO POINTS, LIMITED CLOSING COSTS, BI-WEEKLY PMTS | 6.125% APR |
| 10/30-YEAR BALLOON | NO POINTS, LIMITED CLOSING COSTS, BI-WEEKLY PMTS | 6.625% APR |
| 15-YEAR | 5% DOWN, NO POINTS, $50,000.00 MINIMUM LOAN AMOUNT | 6.000% APR |
| 20-YEAR | 5% DOWN, NO POINTS, $50,000.00 MINIMUM LOAN AMOUNT | 6.375% APR |
| 30-YEAR | 5% DOWN, NO POINTS, $50,000.00 MINIMUM LOAN AMOUNT | 6.500% APR |
| Home Equity Loan | ||
|---|---|---|
| TYPE OF LOAN | TERM | RATES AS LOW AS... |
| 2ND MORTGAGES | 80% LOAN TO VALUE | 5.49% APR* |
| 2ND MORTGAGES | 90% LOAN TO VALUE | 5.99% APR* |
| 2ND MORTGAGES | 100% LOAN TO VALUE | 6.49% APR* |
| *Member Benefit loan discounts may apply. Please contact a Relationship Manager for details. |
||
| Home Equity Line of Credit | ||
|---|---|---|
| TYPE OF LOAN | TERM | RATES |
| HOME EQUITY LINE OF CREDIT | 80% LOAN TO VALUE | PRIME RATE MINUS 1%* (CURRENTLY 4.00% APR) |
| HOME EQUITY LINE OF CREDIT | 100% LOAN TO VALUE | PRIME RATE PLUS 1%* (CURRENTLY 6.00% APR) |
| Prime Rate | ||
|---|---|---|
| Prime Rate | 5.00% | Effective as of 05/01/2008 |
Rates subject to change without notice.
*Variable rate revolving line of credit may change monthly
