Home Equity Loans & Lines Rates

Loan Type	Combined Loan To Value (CLTV)	Term	Rate	Points	APR⁴	P&I Payment⁴
Effective 10/14/2020
Fixed Second Mortgage¹	up to 80% CLTV	5 year fixed	5.375%	0	5.375%	$380.87
Fixed Second Mortgage¹	up to 80% CLTV	20 year fixed	5.875%	0	5.875%	$141.85
Home Equity Line of Credit^{1 & 2}	up to 80% CLTV	-	4.000%	0	N/A	$300.00
Home Equity Line of Credit Flex Equity 3^{1 & 3}	up to 80% CLTV	-	6.000%	0	N/A	$300.00

¹ Interest rate based on the combined loan to value (CLTV).

Financing available up to 80%; Certain credit restrictions may apply.

NO CLOSING COSTS on Home Equity loans when you borrow $10,000 or more upon loan closing. Except the pre paid interest on fixed home equity loans.

Title insurance costs for loans in excess of $250,000 paid by member.

² Variable rate; Tied to the Wall Street Journal Prime Lending Rate plus a margin, if applicable; however, under no circumstances will the annual percentage rate go below 4.00% for the term of the loan. The margin is determined by the CLTV at the time of closing; Adjusts monthly; Maximum cap 18% APR. Payment options available are percentage of outstanding balance or interest only.

³ Fixed rate for first 3 years then monthly rate adjustments tied to the Wall Street Journal Prime Lending Rate plus a margin, if applicable; however, under no circumstances will the annual percentage rate go below 4.00% for the term of the loan. The margin is determined by the CLTV at the time of closing. Maximum cap 18% APR. Payment option available is percentage of outstanding balance.

⁴ APR and Principal & Interest (P&I) Payment based on a loan amount of $20,000.

Product offers, terms and other information provided herein are subject to change without notice.