Loan Rates

Rates effective as of October 13, 2020.

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 $421.60 with an annual percentage rate (APR) of 3.021%. 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 $368.33, with an annual percentage rate (APR) of 4.02%. Property insurance is required for all Home Equity Loans.

Home Equity Line Of Credit

Annual Percentage Rate (APR) 3.25% 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 as published in the Wall Street Journal the 3rd Wednesday of the preceding month with a floor of 3.25%.  The APR can change monthly.  The minimum APR is 3.25%, the maximum APR is 18.00%.  The non-introductory rate is 3.25% as of 4/10/2020.  The minimum loan amount is $5,000.00.  The maximum loan amount is $300,000.00 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.