Rates

Loan Rates

Home Equity Line of Credit

Account Type	APR
Introductory Rate	as low as 1.99% for six months
Variable Rate	as low as Prime Rate
*After 6 months, the APR (Annual Percentage Rate) may vary monthly based on the Prime Rate published in the Wall Street Journal plus a margin.  Prime rate as of 12/16/2008 is 3.25%.  Minimum Line of Credit loan is $7,500.  Rates can increase or decrease, but not to exceed 15.99% APR. Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Rates apply to new loans and are based on a loan to value (LTV) up to 80%. If closed within 3 years of the opening date, reimbursement for certain fees paid to third parties to open the loan is required. Fees vary depending on loan amount and can be as low as $735 for a $50,000 loan or $1,185 for a $100,000 loan.