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Current Loan & Deposit Rates

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MORTGAGE/HOME EQUITY LOAN

Fixed Rate Mortgage: *  **

           Rate                

        Points             

             *APR                   

               Term                          

4.25%

0.00

4.25%

Up to 10 years

4.50%

0.00

4.50%

11 – 15 years

5.00%

0.00

5.00%

16 – 20 years

5.75%

0.00

5.75%

21 – 30 years

Adjustable Rate Mortgage:  *  **

Product

   Initial Rate

   Fixed Term

   Points

   *APR

   Index

1/1 Year ARM

    3.25%

    1 Year

    0.00

  3.25%

    WSP + 0%

3/1 Year ARM

    3.75%

    3 Years

    0.00

  3.75%

    WSP + 0%

5/1 Year ARM

    4.00%

    5 Years

    0.00

  4.00%

    WSP + 0%

7/1 Year ARM

    4.50%

    7 Years

    0.00

   4.50%

    WSP + 0%

10/1 Year ARM

   4.75%

    10 Years

    0.00

   4.75%

    WSP + 0%

For adjustable rate mortgage (ARM) loans, the APR may increase after consummation, and with each rate change, the payment may also change.

Home Equity Line of Credit:  *

         Initial Rate

    Points           

    Floor               

   Ceiling              

   Maximum Term               

   Index

WSP + .50% - Adjusts Quarterly

      0.00

    4.00%

    15.00%

         20 Years

  WSP + .50%

First Time Home Buyer Programs:

Up to 90% Financing - No PMI
Fixed Rates as listed above
Adjustable Rates as listed above           

* Non-Owner Occupied Properties – ADD .75% to listed rates

* No Closing Cost Option is available on Purchase Money Mortgages– ADD .75% to listed rates

** Construction Mortgages available - See Fixed and Adjustable Rates

** Vacant Land Loans - Maxmum term of 10 years, fixed rate of 6.00%, Maximum 60% LTV

 Index used is Wall Street Journal Prime

*APR = Annual Percentage Rate
Interest Rates listed above are current as of December 1, 2020 and are subject to change without notice