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Loan Rates

Rates effective as of June 23, 2022.

All rates subject to change without notice.

Mortgage Loans

Term

Points

Interest Rate

APR

30 Year Fixed Rate

0 5.500% 5.640%

30 Year Fixed Rate

3 5.125% 5.540%

20 Year Fixed Rate

0 5.250% 5.437%

15 Year Fixed Rate

0 5.000% 5.234%

15 Year Fixed Rate

3 4.625% 5.328%

10 Year Fixed Rate

0 4.750% 5.080%

30 Year, 1 Year Adjustable Rate

3 Please call Please call

30 Year Fixed Rate Jumbo

0 5.625% 5.644%

30 Year Fixed Rate Jumbo

3 5.250% 5.542%

15 Year Fixed Rate Jumbo

0 5.125% 5.155%

15 Year Fixed Rate Jumbo

3 4.750% 5.241%

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 $567.79 with an annual percentage rate (APR) of 5.640%. Property insurance is required for all mortgage loans.

Closed End Home Equity Loans

Term

Interest Rate

APR

5 Year Fixed Rate

4.500% 4.546%

10 Year Fixed Rate

5.000% 5.027%

15 Year Fixed Rate

5.250% 5.270%

20 Year Fixed Rate

5.500% 5.517%

25 Year Fixed Rate

5.750% 5.756%

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 $372.86, with an annual percentage rate (APR) of 4.546%. Property insurance is required for all Home Equity Loans.

 

Home Equity Line Of Credit

 

 Rate

 APR

  4.500%

  4.500%

Annual Percentage Rate (APR) 4.50% 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 4.50%.  The APR can change monthly.  The minimum APR is 4.50%, the maximum APR is 18.00%.  The non-introductory rate is 4.50% as of 6/23/2022.  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.

 

 

 

 

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