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Loan Rates

EFFECTIVE DATE: 07/18/2008 Rates subject to change.
 

Mortgages

Term Points Rate Annual Percentage Rate Caps
15 Year Fixed
2
5.250%
5.561%
0
5.750%
5.750%
30 Year Fixed
2
6.000%
6.193%
0
6.500%
6.500%
1/1 ARM
2
4.250%
5.110%
2/6
0
4.750%
4.978%
2/6
3/1 ARM
2
4.375%
5.024%
2/6
0
5.250%
5.061%
2/6
5/1 ARM
2
4.875%
5.130%
2/6
0
5.500%
5.190%
2/6
10/1 ARM
2
5.500%
5.506%
2/5
0
6.250%
5.819%
2/5

 
 
 
 
 
 
 
 
 
 

Home Equity Loans

Term Annual Percentage Rate
3 years 5.50% Fixed
5 years 5.75% Fixed
10 years 6.00% Fixed
15 years 6.25% Fixed

Home Equity Lines of Credit

Wall Street Journal Prime plus 0%
(currently 5.000%)

Consumer Loans

Loan Type Term Annual Percentage Rate
New Car Loans
36-60 Months (80% LTV)
6.75%
Used Car Loans
12-48 Months (80%LTV)
8.75%
Collateral Loans
3% above the rate earned on the deposit