| Home Equity Loans - Primary and Secondary residences only | |||||||
| Effective Date: Tuesday, September 16th, 2025 | |||||||
| Home Equity Loans up to 90% LTV Fixed Rate | |||||||
| Program | Max | Rate | Max LTV | APR as low as | Margin | Index | Monthly Payment per $1,000 |
| Up to 5 Years | $250,000 | 6.990% | 80% | 6.990% | - | - | $19.80 |
| $250,000 | 7.990% | 90% | 7.990% | - | - | $20.27 | |
| 10 Years | $250,000 | 7.500% | 80% | 7.500% | - | - | $11.87 |
| $250,000 | 8.500% | 90% | 8.500% | - | - | $12.40 | |
| 15 Years | $250,000 | 7.750% | 80% | 7.750% | - | - | $9.41 |
| $250,000 | 8.750% | 90% | 8.750% | - | - | $9.99 | |
| 20 Years | $250,000 | 8.250% | 80% | 8.250% | - | - | $8.52 |
Payments do not include taxes and insurance, actual payment obligation will be higher. The APR is an estimate and could be higher, based on the date of closing and the number of days interest collected at consummation. APR may change without notice. Minimum loan amount is $10,000. | |||||||
| Home Equity Lines of Credit (HELOC) - Adjustable Rate | ||||||
| Effective Date: Tuesday, September 16th, 2025 | ||||||
| Program | Max | Intro Rate | Max LTV | APR as low as | Margin | Index |
| 80% LTV | $250,000 | 7.500% | 80% | 7.500% | 0.00% | 7.50% |
| 90% LTV | $250,000 | 8.500% | 90% | 8.500% | 1.00% | 7.50% |
Minimum Home Equity amount is $10,000. Maximum interest rate for Home Equity Lines of Credit is 18.00%. The maximum annual percentage rate that can apply is 18%. The interest rate is based on the Wall Street Journal Prime Rate and may vary monthly. An early termination fee of $300 will apply if closed within the first 36 months. Must meet eligibility guidelines. APR may change without notice. | ||||||