Home Equity Loans
| Term | Interest Rate | Annual Percentage Rate (APR) | Monthly Payment per $1,000 Borrowed |
| 60 months | 4.25% | 4.253% | $18.53 |
| 120 months | 4.50% | 4.501% | $10.36 |
| 180 months | 5.15% | 5.151% | $7.99 |
Up to 80% Loan to Value. Credit score of 725 or higher and less than 43% Debt to Income Ratio. Payments do not include amounts for taxes and insurance premiums, if applicable, and that the actual payment obligation will be greater. Rates, fees and terms of credit stated are based on Bank's normal credit underwriting standards. Your application may differ based on your credit history. Property Insurance is required. Flood Insurance may be required. Loans are limited to the Bank trading area.
APR is based on $30,000 loan amount. Fees totaling $201 are due and payable upon signing of loan documents. Borrower must pay mortgage satisfaction fees at loan termination.
Consult a tax advisor for deductibility of interest. Rates and terms subject to change without prior notice.
EasyLock Line of Credit
| Maximum Term | Annual Percentage Rate(APR) | Comments | |
| 15 year draw period | 3.49% | Minimum monthly payment equal to the interest due. A balloon payment will result at maturity |
Up to 80% Loan to Value. Credit score of 725 or higher and less than 43% Debt to Income Ratio. Payments do not include amounts for taxes and insurance premiums, if applicable, and that the actual payment obligation will be greater. Rates, fees and terms of credit stated are based on Bank's normal credit underwriting standards. Your application may differ based on your credit history. Property Insurance is required. Flood Insurance may be required. Loans are limited to the Bank trading area.
APR is effective for new credit lines up to $250,000. A Closing Documentation Fee of $75 is due and payable upon signing of loan documents. An Early Termination Fee of $350 will be charged if the line is closed within 24 months of being established. Borrower must pay mortgage satisfaction fees at loan termination.
Stated APR is a variable rate based on Wall Street Journal Prime Rate +margin or a minimum APR of 3.49%, whichever is greater. Maximum APR is 18.00%. This account includes a fixed rate option. Current fixed rate APRs range from 3.75% to 4.75% depending on the loan term selected. This rate may vary, but once established as a new fixed rate advance, will not vary thereafter. There is a limit of two (2) fixed rate advances at any one time, with minimum advance of $3,500.
This Line of Credit has a 15 year draw period. By making only the minimum periodic payments each billing cycle for the maximum term, your line of credit will have a maturity balloon payment, where all principal, interest and fees will be due in 15 years from the date the line of credit is established. Please refer to our credit agreement for complete details.
Consult a tax advisor for deductibility of interest. Rates and terms are subject to change without prior notice. Please ask about other programs and terms available.
Personal Loans
| Term | Interest Rate | Annual Percentage Rate (APR) | Monthly Payment per $1,000 Borrowed |
| 60 months | 12.75% | 12.75% | $22.63 |
Credit score of 725 or higher and less than 43% Debt to Income Ratio. Rates, fees and terms of credit stated are based on Bank's normal credit underwriting standards. Your application may differ based on your credit history. Loans are limited to the Bank trading area.
Auto Loans
| Term | Interest Rate | Annual Percentage Rate (APR) | Monthly Payment per $1,000 Borrowed | |
| New | 48 months | 4.50% | 4.50% | $22.80 |
| New | 60 months | 5.00% | 5.00% | $18.87 |
| New | 72 months | 5.50% | 5.50% | $10.85 |
| Used | 60 months | 6.75% | 6.75% | $19.68 |
Up to 70% Loan to Value. Credit score of 725 or higher and less than 43% Debt to Income Ratio. Rates and terms of credit stated are based on Bank's normal credit underwriting standards. Your application may differ based on your credit history. Loans are limited to the Bank trading area.
