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Rates

Home Equity - 5 Year Term
Credit Tier
1
2
3
<70% CLTV
4.25%
4.50%
5.00%
70-79.9% CLTV
4.50%
4.75%
5.25%
80-89.9% CLTV
4.75%
5.00%
5.50%
90-95.0% CLTV
5.00%
5.25%
5.75%
Home Equity - 7 Year Term
Credit Tier
1
2
3
<70% CLTV
4.75%
5.00%
5.50%
70-79.9% CLTV
5.00%
5.25%
5.75%
80-89.9% CLTV
5.25%
5.50%
6.00%
90-95.0% CLTV
5.50%
5.75%
6.25%
Home Equity - 10 Year Term
Credit Tier
1
2
3
<70% CLTV
5.25%
5.50%
6.00%
70-79.9% CLTV
5.25%
5.50%
6.00%
80-89.9% CLTV
5.50%
5.75%
6.25%
90-95.0% CLTV
5.75%
6.00%
6.50%
Home Equity - 6 Year Balloon
Credit Tier
1
2
3
up to 90% CLTV
5.50%
5.75%
6.25%

***15-year (180) term with a 6-year balloon. 

Home Equity - 2nd Purchase Money
Credit Tier
1
2
3
90.01-95% CLTV
6.00%
6.00%
6.00%
HELOC (Variable)
Credit Tier
1
2
3
up to 80% CLTV
4.75%
5.00%
5.50%
81-90% CLTV
5.00%
5.25%
5.75%

Variable rates are subject to change at the end of each calendar quarter. 

*APR - Annual Percentage Rate.  Your loan interest APR will be determined by your credit score.  The numbered tiers shown represent credit score ranges as follows:  1=720+, 2= 680-720, 3=680 or less.

**Rates are effective as of May 1, 2017.

Unless noted, all rates are fixed rates. 

Home Equity Loan - APR calculations assumes a $50,000.00 loan amount.  Fees included in the APR - flood certification and application fee.