1-4 Family Residential Mortgage Rates 

Mortgage Rates Effective as of 02/27/2013

Rates and programs subject to change without notice
All loans subject to credit approval. Rates and terms subject to eligibility.
Other loan programs available. 
We also offer construction loans, investment, and second home financing.

Mortgage rates are subject to secondary market loan limits.
Other terms and conditions apply.

¹ Caps are the maximum interest rate changes for the first, each subsequent, and for the life of the loan respectively.
² Fully indexed rate has a 2.75% margin added to the 1 year FHLB

Equity Rates Effective as of 2/27/2013

Loan Amounts from $10,000 up to $24,999

*The interest rate will be the prime lending rate published in the Wall Street Journal on the last business day of the month, plus 2%, with a floor of 3.00%. The prime rate as of 1/29/13 was 3.25%. The Home Equity Line of Credit is a variable rate loan. Rates are subject to change without notice but will never exceed 18% APR. An annual fee of $50 is assessed each year in January. There is no early pay-off fee. $10,000 minimum loan amount.  Combined loan to value ratio not to exceed 75%.

Loan Amounts from $25,000 up to $500,000

**The interest rate will be the prime lending rate published in the Wall Street Journal on the last business day of the month, with a floor of 3.00%. The prime rate as of 1/29/13 was 3.25%. The Home Equity Line of Credit is a variable rate loan. Rates are subject to change without notice but will never exceed 18% APR. An annual fee of $50 is assessed each year in January. $500,000 maximum loan amount. Combined loan to value ratio not to exceed 75%.

Offer available for 1-4 family owner-occupied primary residence properties.  Combined loan to value ratio not to exceed 75%. Subject to clear title. Property insurance required. Fee for loans terminated within the first 3 years. Interest may be tax deductible (please consult your tax advisor.)