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Residential Mortgage Rates
Effective December 3, 2014 
 
First Lien Mortgages
TermPointsInterest RateAPR
15 Years1
0
2.875%
3.125%
3.106%*
3.208%*
Over 15 Years - Up to 20 
Years
1
0
3.500%
3.750%
3.683%*
3.816%*
Over 20 Years - Up to 30 
years
1
0
3.750%
3.990%
3.882%*
4.038%*

*Annual Percentage Rate (APR) shown is for coventional loans up to a 80% loan to value and requires a credit score greater than or equal to 740.

The interest rates, annual percentage rates (APRs), and discount points shown are subject to change without notice. Your rate may be different based on your representative credit score.

*The monthly payment for each $1000 borrowed at an APR of 4.250% for 360 months is $4.92 (this is based on 30 year term with 0 points). Property insurance is required. Flood insurance may be required. Customers must meet standard income and credit criteria and the home must be located in the Fleetwood Bank service area. Borrower must pay mortgage satisfaction fees at loan termination.

Fleetwood Bank’s published rates (base rates) may be affected by “Loan Level Price Adjustments” (LLPAs). Pricing may be affected by:

  • Your Credit Score
  • Loan-to-Value
  • “Cash Out”
  • Secondary Financing
  • Collateral Type and Unique Property Characteristics
  • PMI (Private Mortgage Insurance)

Borrower(s) may elect to pay the equivalent of "points" in lieu of a rate increase (if applicable).
A residential mortgage loan officer will be glad to assist you with determining your actual interest rate. Rates are subject to change without notice.


 
Selected Consumer Loan Rates
 Term of LoanInterest RateAnnual Percentage Rate (APR)*
Home Equity LoanUp to 36 MonthsAs low as 3.750%*4.684% APR
New Auto LoanUp to 36 MonthsAs low as 3.750%**3.750% APR

*Annual Percentage Rate (APR) shown is for loans up to an 80% loan to value and requires a credit score greater than or equal to 725. APR’s are subject to change without notice.  Higher rates apply with a higher loan to value, and with a lower credit score. The monthly payment for each $1000 borrowed at an APR of 4.684% for 36 months is $29.42. Property insurance is required. Flood insurance may be required. Customers must meet standard income and credit criteria and the home must be located in the Fleetwood Bank service area. Borrower must pay mortgage satisfaction fees at loan termination.

**Annual Percentage Rate(APR) shown is for loans up to 70% of the retail price of the vehicle and required credit score greater than or equal to 725. APR'S are subject to change without notice. Higher rates apply with a higher loan to vehicle value, and with a lower credit score. The monthly payment for each $1000 borrowed at an APR is 4.500% for 48 months is $22.80. Vehicle insurance is required. Customers must meet standard income and credit criteria and be residents of the Fleetwood Bank service area.