Home Equity Rates

"Preferred" Home Equity Loans &
HELOC (Home Equity Line of Credit) Rates.

Rates subject to change at any time without notice.
Indicated rates are available to qualified members.
Other rates may apply based on credit profile.
Effective Date:
April 1, 2008

Home Equity Lines of Credit (HELOC)
Type Introductory
Rate1		 Introductory
Period3		 Variable
Index2,4		 Closing Cost Advance Policy APR1
HELOC 4.990% 90-days 3-mo avg. of 2-yr UST Appraisal, Title, Recording,
Flood, Processing (Average ~$350)		 Up to
100% LTV 		4.967%
Apply Now

Home Equity Loan Program (HELP)
Term <80% LTV >80% LTV
Basic Rate Payment/$1,000 APR1 Basic Rate Payment/$1,000 APR1
<= 15 Years 7.000% $8.99 7.000% 7.500% $9.27 7.500%
30 Years 5 7.000% $6.66 7.101% 7.500% $6.99 7.604%
Apply Now

  1. All rates are subject to change without notice. Please call and ask for the current rates. All Annual Percentage Rates(APR) shown are calculated at a $10,000 loan amount. HELOC's and HEL's are calculated on $100,000 loan amount.
  2. Current Index is 1.958%+3.00%=4.958% for 80% LTV; 1.958%+3.70%=5.658% for 90% LTV; 1.958%+4.95%=6.908% for 100% LTV. Other rates may apply based on credit. Lifetime cap of 5% over fully indexed start rate.
  3. After Introductory Period, the interest rate adjusts each calendar quarter to the fully indexed rate, which is the index (3 mo. moving average of the 2-Year Treasurey Note) + margin. (see #2)
  4. The interest rate adjusts each calendar quarter to the fully indexed rate, which is the index (3 mo. moving average of the 2-year Treasury note) + margin. (see #2).
  5. Above HELP rates for terms greater than 15 years are with 1 point. Add 0.50% for the zero point rate.