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Rates are based on an evaluation of each applicant's credit. Your actual rate may be higher. Loan rates are subject to change and vary depending on loan type and/or term. All loans are subject to credit approval. Rates as of May 1, 2008. Please see the bottom of the page for more information. First Mortgages and Refinancing For current rates and information or to apply for a loan, call our Mortgage Department toll-free at 1-866-769-6957 or visit our Mortgage Department online. Our site has more than the loan application --it has Calculators, Property and Interest Information, a Glossary of real estate terms, and much more. It even has a Rate or Payment tracker where you can request an email be sent to you when the rate you want is available! Second Mortgages
*Payment example: 36 monthly payments of $30.85
per $1000 borrowed.
Home Equity Line of Credit - Variable Rate
*Based on the Wall Street Journal Prime Rate of
5.00% as of 4/30/2008.
**Based on The Wall Street Journal Prime Rate of 7.25% as of 12/31/2007--the rate on this product is adjusted January 1st and July 1st ONLY! Solar Loans More Information
Minimum loan amount of $5,000. Terms from 60 to
180 months. Home Equity Rebate Program: at settlement, a member could
receive a refund of the cost incurred while processing/closing a solar
loan. There is a maximum refund of $1,000 per settlement.
*Example: 60 monthly payments of $18.76 per $1000 borrowed. You may estimate your payment with our Calculators. IMPORTANT HOME EQUITY/SECOND MORTGAGE INFORMATION: Maximum rate for all home equity and/or second mortgage loans is 18.00% APR —- the maximum usury rate established by the NCUA. The rate floor for all home equity line of credit loans is 4.00% APR. Home owners insurance and flood insurance, if applicable, is required. PLEASE NOTE: If you are more than 15 days late in making your payment for a real estate loan, the loan late fee is 5% of the monthly payment.
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