FDIC-Insured - Backed by the full faith and credit of the U.S. Government

ates effective as of November 4, 2025.

All rates subject to change without notice.

Mortgage Loans

Term

Points

Interest Rate

APR

30 Year Fixed Rate

0

6.000%

6.007%

30 Year Fixed Rate

3

5.625%

5.912%

20 Year Fixed Rate

0

5.875%

5.884%

15 Year Fixed Rate

0

5.125%

5.136%

15 Year Fixed Rate

3

4.750%

5.224%

10 Year Fixed Rate

0

5.000%

5.016%

30 Year, 1 Year Adjustable Rate

3

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30 Year Fixed Rate Jumbo

0

6.125%

6.127%

30 Year Fixed Rate Jumbo

3

5.750%

6.034%

15 Year Fixed Rate Jumbo

0

5.625%

5.629%

15 Year Fixed Rate Jumbo

3

5.250%

5.722%

A 5% minimum down payment is required. Private Mortgage Insurance (PMI) is required for loans with a down payment less than 20%. The annual percentage rate (APR) shown assumes a 20% down payment.
A 30 Year, fixed rate, 0 point mortgage for $100,000 with a 20% down payment would have a monthly payment of $599.55 with an annual percentage rate (APR) of 6.007%. Property insurance is required for all mortgage loans.

Closed End Home Equity Loans

Term

Interest Rate

APR

5 Year Fixed Rate

6.125%

6.366%

10 Year Fixed Rate

6.250%

6.381%

15 Year Fixed Rate

6.625%

6.724%

20 Year Fixed Rate

6.750

6.831%

25 Year Fixed Rate

7.000%

7.073%

The maximum loan to value for a Home Equity Loan is 80%. A 5 year fixed rate Home Equity Loan for $20,000 would have a monthly payment of $387.82, with an annual percentage rate (APR) of 6.366%. Property insurance is required for all Home Equity Loans.

 

Home Equity Line Of Credit

Rate

APR

  6.500%

  7.000%

The current introductory rate of 6.5000% applies for a 12 month introductory period.  The APR after the 12-month introductory period will be a variable rate equal to the prime rate, currently 7.000%, as published in the Wall Street Journal on the 3rd Wednesday of the preceding month with a floor of 5.500%. The APR can change monthly. The minimum APR is 7.000%, the maximum APR is 18.00%. The non-introductory rate is 7.000% (APR) as of 11/01/2025. The minimum loan amount is $5,000.00. The maximum loan amount is $500,000.00 or will vary based on the combined maximum loan to value ratio. The maximum combined loan to value amount is 80%. After the first 12 months, the line has a $50.00 annual fee if the loan account has a zero balance for the 12-month period.