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Real Estate Rates

Home Equity Loans
Effective Date: Saturday, February 27th, 2021
TermAPR*Payment/$1000
15 Years 5.00% $7.91
20 Years 5.50% $6.88
10 Years 4.50% $10.37
5 Years 4.25% $18.53

Home Equity Lines
Effective Date: Saturday, February 27th, 2021
Repayment PeriodLoan to Value RatioIndexAPR***
Monthly Adjustable
Up to 20 Years 90% 3.25% (0% Margin) 3.25%
Annually Adjustable
Up to 20 Years 90% 3.25% 4.25%

Mortgages

Rates available as fixed or monthly adjustable options.

Real Estate Accounts Disclosures

Maximum APR: The maximum APR on Home Equity Loans and Lines of Credit is 18%.

* APR = Annual Percentage Rate. Rates are valid as of August 1st, 2020 and are subject to change without notice. Payment example: A loan of $15,000 with a term of 180 months and an APR of 5.00% has a monthly payment of $118.65.

** Payment example included principal and interest only, payment does not include amounts for taxes and insurance premiums, if applicable, which will increase your payment obligation; you are responsible to ensure that taxes and insurance obligations are satisfied.

*** Real Estate Equity Lines of Credit are indexed to the Prime Rate published in the “Money” section of The Wall Street Journal. For monthly adjustable Home Equity Lines of Credit, the APR can change on the first day of each month and is established ten days prior to the first day of the month. For annually adjustable Home Equity Lines of Credit, the APR can change once per year on January 1, and the rate is established 30 days prior to this date.

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