Online Banking

Loan Rates

Rates effective as of February 16, 2018.

All rates subject to change without notice.

Mortgage Loans

Term

PointsInterest RateAPR

30 Year Fixed Rate

0 4.25% 4.251%

30 Year Fixed Rate

3 3.875% 4.12%

20 Year Fixed Rate

0 3.625% 3.627%

15 Year Fixed Rate

0 3.5% 3.502%

15 Year Fixed Rate

3 2.125% 3.568%

10 Year Fixed Rate

0 3.00% 3.004%

30 Year, 1 Year Adjustable Rate

3 Please call Please call

30 Year Fixed Rate Jumbo

3 4.125% 4.381%

15 Year Fixed Rate Jumbo

3 3.25% 3.692%

30 Year Fixed Rate Jumbo

0 4.50% 4.50%

15 Year Fixed Rate Jumbo

0 3.625% 3.625%

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 $491.94 with an annual percentage rate (APR) of 4.251%. Property insurance is required for all mortgage loans.

Closed End Home Equity Loans

Term

Interest Rate

APR

5 Year Fixed Rate

3.50% 3.50%

10 Year Fixed Rate

3.75% 3.75%

15 Year Fixed Rate

4.00% 4.00%

20 Year Fixed Rate

4.25% 4.25%

25 Year Fixed Rate

4.50% 4.50%

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 $363.83, with an annual percentage rate (APR) of 3.50%. Property insurance is required for all Home Equity Loans.

Closed End Automobile and Personal Loans

Loan Type & TermInterest Rate

APR

36 Month Fixed Rate New Auto

6.25% 6.75%

48 Month Fixed Rate New Auto

6.50% 7.00%

60 Month Fixed Rate New Auto

6.75% 7.25%

48 Month Fixed Rate Personal

10.75% 11.25%

48 Month Fixed Rate Debt Consolidation

12.75% 13.25%

48 Month Fixed Rate Used Auto

7.25% 7.75%

A 20% minimum down payment is required for auto loans. A 36 month new auto loan for $10,000, automatically debited from an Iron Workers checking or savings account would have a monthly payment of $305.35, with an annual percentage rate (APR) of 6.25%.
Comprehensive automobile insurance is required for all automobile loans.

Going Out of the Country?

Please contact your Branch if you will be visiting another country to enable your ATM/Debit card to have access to your account.

Branch Locations