Real Estate Loan Rates


Rates: | Share Rates | Share Certificates | Vehicle Loan Rates | Real Estate Loans | Secured Loans | Unsecured Loans & Credit Cards


Effective January 1, 2013
Actual Rate Will Be Determined By Your Experian FICO 2 Credit Score

Second Mortgages
Loan Type Term Annual Percentage Rate Payment Per $1,000 Borrowed
Up to 80% LTV* Up to 180 months As Low As 6.50% $8.71
Up to 70% LTV* Up to 180 months As Low As 6.00% $8.44
Up to 60% LTV* Up to 180 months As Low As 5.50% $8.17
Up to 50% LTV* Up to 180 months As Low As 5.25% $8.04

* Loan to Value less any encumbrances.
Note: Unimproved property must be adjacent to subject property and may only be used as additional security on real estate loan. 50% of appraised value.

Open End (HELOC - Home Equity Line of Credit)
Loan Type Term Annual Percentage Rate
Open End (HELOC) Open Variable Rates - Subject to Change (1% every 6 month maximum and 2% per year maximum)
Open End (HELOC)
Revolving up to 80% LTV*, up to $100,000
60 month draw period; 120 month amortization Prime Rate per Wall Street Journal
Minimum 4.50%

* Loan to Value less any encumbrances.
Note: Unimproved property must be adjacent to subject property and may only be used as additional security on real estate loan. 50% of appraised value.