Rates

Rates are effective 12/1/16 and are subject to change.

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Mortgage Rates
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Fixed Rate Home Equity Loan
Term Rate APR*
5 Years 5.50 5.50
6-10 Years 6.00 6.00
11-15 Years 6.50 6.50
HELOC
Term Rate APR*
- - Prime rate plus 0.75% APR*

*APR = Annual Percentage Rate. The HELOC rate is variable and based on the Prime Rate as published in The Wall Street Journal. The Prime Rate as of December 17, 2015 is 3.50%.The maximum APR is 18.00%. No annual fee or closing costs. Property and flood insurance is required for HELOCs.

Fixed Rate Home Equity Loan: If an equity loan is secured by a first lien on a dwelling, the payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. Sample Payments: A 5-year Fixed-Rate Home Equity Loan at 6.00% Annual Percentage Rate (APR) will have 60 monthly payments of $19.33 per $1,000 borrowed; a 6-year Fixed-Rate Home Equity Loan at 6.50% APR will have 72 monthly payments of $16.81 per $1,000 borrowed; a 10-year Fixed-Rate Home Equity Loan at 6.50% APR will have 120 monthly payments of $11.35; a 11-year Fixed-Rate Home Equity Loan at 7.00% APR will have 132 monthly payments of $10.88 per $1,000 borrowed; a 15-year Fixed-Rate Home Equity Loan at 7.00% will have 180 monthly payments of $8.99 per $1,000 borrowed.