Fixed Rate Mortgages

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Construction Mortgages

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Adjustable Rate Mortgages

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Adjustable Rate Mortgages (ARM)

Product Description Interest Rate Fully indexed interest rate as of July 9, 2024 Annual Percentage Rate Points Monthly Payments Monthly Payments per $1,000 Monthly Payments per $1,000 (After First Adjustment)
7/6 ARM Affordable* 5.875% 8.125% 7.146% 0 360 $5.92 $7.17
5/6 ARM 6.500% 8.125% 7.666% 0 360 $6.32 $7.30
7/6 ARM 6.750% 8.125% 7.605% 0 360 $6.49 $7.28
10/6 ARM 6.990%  8.125% 7.570% 0 360 $6.65 $7.24
Annual Percentage Rates (APRs) listed above assume a $100,000 mortgage, 25% down payment, 30 year term and subject to change without notice. Listed rates apply only to 1-4 family, owner-occupied homes. Rates vary based on credit score, loan to value, property type and appraisal review.  Rates and payments subject to adjust after the first 5, 7, or 10 years and every 6 months thereafter;  rates may increase after consummation.  The monthly payment amount shown includes principal and interest. Taxes and insurance are not included in the monthly payment amount. Homeowner’s insurance and flood insurance (if applicable) are required. Private Mortgage Insurance (PMI) required if down payment is less than 20%. Your actual monthly payment amount may be higher. An escrow account may be required. Your APR will vary based on your final loan amount and finance charge. Maximum loan subject to FNMA/FHLMC limits.

*Available to first-time homebuyers.  Disclosed APR may be available for as little as 3% down.  Income limits apply.

Home Equity Loans + Lines of Credit

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Home Equity Loans

Product Description Interest Rates as of [[effective-date]] Annual Percentage Rate Points Monthly Payments Monthly Payments per $1,000
20 Year HE Loan 7.250% 7.289% 0 240 $7.90*
15 Year HE Loan 7.000% 7.046% 0 180 $8.99*
10 Year HE Loan 6.750% 6.812% 0 120 $11.48*
5 Year HE Loan 6.500% 6.664% 0 60 $19.57*
HELOC with Intro** Intro rate: 5.990% for 12 months

Current Prime Rate: 8.500%

5.990% 0 300

*Payments do not include Real Estate Taxes & Insurance.  The actual payment may be greater.  Minimum loan is $10,000.  Maximum loan is $250,000.

** For the first 12 months, the Annual Percentage Rate (APR) on the Home Equity Line of Credit will be an introductory rate of 5.990%.  Thereafter, the APR becomes a monthly variable rate equal to the Prime Rate as published in the Wall Street Journal on the last day of the previous month subject to a floor of 3.490%. The APR will never exceed 18.000% or drop below 3.490%. Minimum credit line is $10,000 and maximum credit line is $400,000. 119 months draw/181 months repayment. This offer is subject to change without notice and is available for new lines.

All HELOAN and HELOC applications will be subject to credit, underwriting and property approval.  Closing costs range between $512.00 and $1127.00 and are generally lender paid.  However, if you should pay off and terminate the HELOC prior to the third anniversary of the agreement date you may be charged an Early Termination Fee of $500.00. Conditions may apply.  If you request an independent appraisal, you will be responsible for the cost of the appraisal report which is estimated between $450.00 and $875.00. You may also have to pay certain fees to third parties as a result of opening the Account.  You may request from us more specific cost information about third-party fees.

HELOC with Introductory APR of 5.990% available for primary residence 1-4 family properties only.  Homeowner’s insurance and flood insurance (if applicable) are required.  Consult your tax advisor regarding interest deductibility.