Resources> Home Equity Rates

1. No Fee Home Equity Loans* (Effective: Thursday, May 17, 2012)
Program	Term	APR	Monthly Payments per $1000 borrowed
Home Equity LTV 80% Max (No fees. Fixed rate.)	5 years	4.750%	$18.76
	10 years	5.000%	$10.61
	15 years	5.125%	$7.97
	20 years	5.875%	$7.09
*Annual Percentage Rate (APR) subject to change. 1 & 2 family owner occupied. Maximum loan-to-value 80%. Minimum loan $5,000. No condominiums. No homes listed for sale or intended for sale. Payments do not include taxes and insurance, if applicable.

2. No Fee Home Equity Loans* (Effective: Thursday, May 17, 2012)
Program	Term	APR	Monthly Payments per $1000 borrowed
Home Equity LTV 81% to 90% (No fees. Fixed rate.)	5 years	6.500%	$19.57
	10 years	6.750%	$11.48
	15 years	7.125%	$9.06
	20 years	7.375%	$7.98
*Annual Percentage Rate (APR) subject to change. 1 & 2 family owner occupied. Loan-to-value 81% to 90%. Minimum loan $5,000. No condominiums. No homes listed for sale or intended for sale. Payments do not include taxes and insurance, if applicable.

3. Home Equity Line of Credit* (Effective: Thursday, May 17, 2012)
Program	APR
HELOC Prime Plus 1/2% (The APR is variable based on the Prime Rate as published in The Wall Street Journal on the last business day of the month plus 1/2%.)	3.750%
*Annual Percentage Rate (APR) subject to change. Maximum lifetime interest rate is 18%. New loans only. 1 & 2 family owner occupied. Adequate property insurance is required. Maximum loan-to-value 80%. Minimum loan $10,000. Maximum loan $100,000. Annual fee of $45. A cancellation fee may apply for loans terminated within 3 years of origination date. No homes listed for sale or intended for sale.