Consumer Internet Banking



Loan Rates

Effective 12/02/2014
(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 4.250% 0.000% 4.316% $4.92
  4.000% 1.000% 4.149% $4.77
  3.750% 2.000% 3.980% $4.63
20 Yr 3.750% 0.000% 3.837% $5.93
15 Yr  3.375% 0.000% 3.484% $7.09

 

Jumbo Loans (greater than $500,000)

Term Interest Rate  Point APR Monthly P&I Payment per $1,000 borrowed
30 Yr 4.750% 0.000% 4.820% $5.22

Construction Loans

Term Interest Rate  Points APR Monthly P&I Payment per $1,000 borrowed
Construction Only 1 yr 6.125% 0.500% 10.730% interest only $5.11
Const/Perm 30 Yr 4.250% 0.500% 4.473% $4.92
Const/Perm 20 Yr 3.750% 0.500% 4.044% $5.93
Const/Perm 15 Yr 3.375% 0.500% 3.741% $7.09

Lot Loans
Term Interest Rate  Points APR Monthly P&I Payment per $1,000 borrowed
10 Yr 7.500% 0.500% 7.826% $11.87

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 5.750% 0.000% 5.750% $8.30
10 Yr 5.500% 0.000% 5.500% $10.85
5 Yr 5.250% 0.000% 5.250% $18.99

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

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