Home Equity Loans & Lines Rates

Effective 6/15/2017

Loan Type

Combined Loan

To Value (CLTV)

Term

Rate

Points

APR⁴

P&I

Payment⁴

Fixed Second Mortgage¹

up to 80% CLTV

5 year fixed

5.000%

$377.42

80.01% to 90% CLTV

5 year fixed

5.250%

$379.72

up to 80% CLTV

20 year fixed

6.250%

$146.19

80.01% to 90% CLTV

20 year fixed

6.625%

$150.59

Home Equity Line of Credit^{1 & 2}

up to 80% CLTV

4.500%

N/A

$300.00

80.01% to 90% CLTV

4.750%

N/A

$300.00

Home Equity Line of Credit
Flex Equity 3^{1 & 3}

up to 90% CLTV

5.250%

N/A

$300.00

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.

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

There are many advantages to homeownership, including the opportunity to build equity in your home over time.