Home Equity Loans & Lines Rates

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Loan Type	Combined Loan To Value (CLTV)	Term	Rate	Points	APR⁴	P&I Payment⁴
Effective 3/21/2017
Fixed Second Mortgage¹	up to 80% CLTV	5 year fixed	5.000%	0	5.000%	$377.42
Fixed Second Mortgage¹	80.01% to 90% CLTV	5 year fixed	5.250%	0	5.250%	$379.72
Fixed Second Mortgage¹	up to 80% CLTV	20 year fixed	6.250%	0	6.250%	$146.19
Fixed Second Mortgage¹	80.01% to 90% CLTV	20 year fixed	6.625%	0	6.625%	$150.59
Home Equity Line of Credit^{1 & 2}	up to 80% CLTV	-	4.500%	0	N/A
Home Equity Line of Credit^1&2	80.01% to 90% CLTV	-	4.750%	0	N/A
Home Equity Line of Credit Flex Equity 3^{1 & 3}	up to 90% CLTV	-	5.250%	0	N/A

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

Financing available up to 90%; 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. Home Equity Loans are available up to $500,000.

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.