Loan Rates

Fixed Rate Mortgages (conforming) – Purchases, Refinances, Construction
TermMonthly Payment per $1,000 borrowedRate*APR**
15 Year $7.27 3.75% 3.827%
20 Year $6.33 4.50% 4.565%
25 Year $5.56 4.50% 4.554%
30 Year $5.07 4.50% 4.547%

No points.  Above APR's assume a $100,000 loan amount for term stated.

  • Above payment example does not include the required payment for escrow account (taxes, insurance, etc.)
  • Interest may be tax deductible, please consult your tax advisor.
  • Loan approval subject to Bank's Loan Underwriting Guidelines.
  • If down payment is less than 20%, Private Mortgage Insurance may be required which increases the APR.
Fixed Rate Mortgages - First Time Home Buyer
TermMonthly Payment per $1,000 borrowedRate*APR**
15 Year $7.21 3.625% 3.760%
30 Year $4.99 4.375% 4.456%

Maximum loan amount is $100,000.  Joint gross yearly income must be less than $60,000.  Flexible underwriting guidelines.

Home Equity Installment Loans – 1st Lien Position
TermMonthly Payment per $1,000 borrowedRate*APR**
5 Year $18.30 3.75% 3.756%
10 Year $10.01 3.75% 3.753%
15 Year $7.27 3.75% 3.752%
20 Year $6.33 4.50% 4.502%
25 Year  $5.56  4.50%   4.501%
30 Year  $5.07 4.50%  4.501%

Above APR assumes a $100,000 loan amount for term stated.

  • NO CLOSING COSTS!
  • Outstanding mortgage lien balances will be used in calculations.
  • Home Equity Installment Payments do not include escrow payments (taxes, insurance, etc.).
  • Interest may be tax deductible, please consult your tax advisor.
  • Loan approval subject to Bank's Loan Underwriting Guidelines.
  • 2nd Lien Position loans have a base rate of 4.99%, up to 60 months, 80% LTV and $10,000 minimum.  Rate adjustments will be made for term and LTV
Home Equity Line of Credit
TermRate*/APR**
10 Year 5.00%

 

Unsecured Consumer Loans (Minimum Loan Amount $2,500.00; Maximum Loan Amount $10,000.00)
TermMonthly Payment per $1,000 borrowedRate*APR**
12 to 24 Months                       $46.84^ 11.50% 11.50%
25 to 60 Months                       $22.24^^ 12.00% 12.00%

 

*  Best rate available.  Subject to Bank's underwriting guidelines.

** Annual Percentage Rate.

^   Payment per $1,000 assumes a 24 month term at Rate disclosed.  Payments may vary.

^^  Payment per $1,000 assumes a 60 month term at Rate disclosed.  Payments may vary.