Internet Banking

Loan Rates

Effective 07/01/2014
(Rates quoted are for 20% down, APR=Annual Percentage Rate, Maximum Loan $500,000, Rate Chart based on a loan amount of $150,000. Rates can differ from the chart based on detrimental credit information reported on credit applicants.)

Purchase/Refinance

Term  Interest Rate  Points APR Monthly P&I Payment per $1,000 borrowed
30 Yr 4.500% 0.000% 4.568% $5.07
  4.125% 1.000% 4.275% $4.85
  3.875% 2.000% 4.107% $4.70
20 Yr 4.000% 0.000% 4.089% $6.06
15 Yr  3.625% 0.000% 3.736% $7.21

 

Jumbo Loans (greater than $500,000)

Term Interest Rate  Point APR Monthly P&I Payment per $1,000 borrowed
30 Yr 5.000% 0.000% 5.072% $5.37

Construction Loans

Term Interest Rate  Points APR Monthly P&I Payment per $1,000 borrowed
Construction Only 1 yr 6.375% 0.500% 10.954% interest only $5.27
Const/Perm 30 Yr 4.500% 0.500% 4.720% $5.07
Const/Perm 20 Yr 4.000% 0.500% 4.289% $6.06
Const/Perm 15 Yr 3.625% 0.500% 3.983% $7.21

Lot Loans
Term Interest Rate  Points APR Monthly P&I Payment per $1,000 borrowed
10 Yr 7.750% 0.500% 8.079% $12.00

Home Equity
Term Interest Rate  Points APR Monthly P&I Payment per $1,000 borrowed
Open End, Variable rate (Prime - 1/2%) 4.250% 0.000% 4.250% Variable
15 Yr 6.000% 0.000% 6.000% $8.44
10 Yr 5.750% 0.000% 5.750% $10.98
5 Yr 5.500% 0.000% 5.500% $19.10

Auto Loans and Mobile Home Loans
Please call 410-477-5000 ext 33 for current rates.

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