Loan Rates

Effective: October 27, 2017

Conventional Mortgage

Term

Rates

APR

Monthly Payment Per $1,000.00 Borrowed

15 Years - 2 Points

n/a

n/a

 

15 Years - 0 Points

3.500%

3.610%

$7.15

30 Years - 2 Points

n/a

n/a

 

30 Years - 0 Points

4.125%

4.194%

$4.85

*APR based on a loan amount of $100.000.00

*Up to 80% Loan to Value


** Payments do not include amounts for taxes and insurance premiums, if applicable, and that the actual payment will be greater (i.e. escrowed items)

Home Equity

Term

Rate

APR 

Monthly Payment Per $1,000.00 Borrowed

1 to 3 Years

4.625%

4.890%

$29.80 - 3 Yrs.

4 to 5 Years

4.750%

4.918%

$18.76 - 5 Yrs.

6 to 7 Years

5.500%

5.643%

$14.37 - 7 Yrs.

8 to 10 Years

5.500%

5.603%

$10.85 -10 Yrs.

11 to 14 Years

5.750%

5.831%

$ 8.68 -14 Yrs.

15 Years

5.750%

5.826%

$ 8.30 -15 Yrs.

 *Conditions if Auto Withdrawal: Rate reduced by .25%

*Up to 75% Loan to Value

** Payments do not include amounts for taxes and insurance premiums, if applicable, and that the actual payment will be greater (i.e. escrowed items)

 Equity Line of Credit

 

Rate 

 APR

WSJ + 1 1/2%

5.75%

5.75 Floor

*Up to 75% Loan to Value

* Maximum APR is 21% & minimum APR is 5.50%

*The above APR is based on Wall Street Journal Prime plus 1.50%

*The rate may change monthly

** Payments do not include amounts for taxes and insurance premiums, if applicable, and that the actual payment will be greater (i.e. escrowed items)

 Mobile Homes

 

Rate

APR

Monthly Payment Per $1,000.00

NEW

6.75%

6.751%

$6.91 - based on 25 yrs.

2007-2016

7.25%

7.252%

$7.90 - based on 20 yrs.

1997-2006

8.00%

8.002%

$9.56 - based on 15 yrs.

*Rates & Terms based on year of Mobile Home *

** Payments do not include amounts for taxes and insurance premiums, if applicable, and that the actual payment will be greater (i.e. escrowed items)

 New Auto Loan

 

Rate

APR

Monthly Payment Per $1,000.00 Borrowed

60 Months

3.50%

3.50%

$18.19

48 Months

3.50%

3.50%

$22.36

36 Months

3.50%

3.50%

$29.30

*Conditions if Auto Withdrawal: Rate reduced by .25%

***Up to 90% Loan to Value

 Used Auto

 

Rate

APR

Monthly Payment Per $1,000.00 Borrowed

36 Months

4.00%

4.00%

$29.52

48 Months

4.00%

4.00%

$22.58

***Up to 85% Loan to Value

 

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