Loan Rates

Rates effective as of January 10, 2023.

All rates subject to change without notice.

Mortgage Loans

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 $615.72 with an annual percentage rate (APR) of 6.377%. Property insurance is required for all mortgage loans.

Closed End Home Equity Loans

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 $380.87, with an annual percentage rate (APR) of 5.375%. Property insurance is required for all Home Equity Loans.

Home Equity Line Of Credit

Annual Percentage Rate (APR) 7.00% 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 7.50%, as published in the Wall Street Journal on the 3rd Wednesday of the preceding month with a floor of 7.00%. The APR can change monthly. The minimum APR is 7.00%, the maximum APR is 18.00%. The non-introductory rate is 7.50% as of 1/10/2023. 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.