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Loan Rates

EFFECTIVE DATE: 06/21/2013 Rates subject to change.

Mortgages

Term Points Rate Annual Percentage Rate Caps
15 Year Fixed
2
3.000%
3.348%


0
3.375%
3.432%

20 Year Fixed
2
3.625%
3.901%
 

4.000%
4.046%
 
30 Year Fixed
2
3.875%
4.076%


0
4.250%
4.285%

*3/1 ARM
2
2.500%
2.979%
2/6

0
2.750%
2.878%
2/6
*5/1 ARM
2
2.625%
2.975%
2/6

0
2.875%
2.904%
2/6
*10/1 ARM
2
3.250%
3.293%
2/5

0
3.500%
3.286%
2/5

* An increase of the interest rate will result in a higher monthly interest payment.


Home Equity Loans

Term Annual Percentage Rate
3 years 3.005% Fixed
5 years 3.511% Fixed
10 years 4.632% Fixed
15 years 4.879% Fixed

Home Equity Lines of Credit

Home Equity Line of Credit is a variable rate product based on the Wall Street Journal Prime rate,
with a minimum rate of 4%.


Consumer Loans

Loan Type Term Annual Percentage Rate
New Car Loans
12-36 Months (100% LTV)
2.99%
New Car Loans
48-60 Months (100% LTV)
3.99%
Used Car Loans
12-36 Months (100% LTV)
5.00%
Collateral Loans

3% above the rate earned on the deposit
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