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* Rates are subject to change by Board of Directors without prior notice.

Rates Effective January 24, 2012 

HELOC (Home Equity Line of Credit)

Variable Rate current rate is 4.00%

80% LTV (Loan to Value)

Term: Up to 5 year draw - 10 year payback

If there is a balance at the end of the draw period, the loan will roll over to current 15 year fixed rate. (2nd mortgage rate)

Minimum: $30,000.00   Maximum: $50,000.00

Advances must start at $500.00. A book of 25 checks will be issued to the member.

First Mortgage Refinance - Fixed 1st Place
Rate Term LTV Minimum Maximum
3.99% 15 years 80 % Appraised Value $30,000 $200,000
3.75% 10 years 80%  Appraised Value $30,000 $200,000
2nd Mortgage - Fixed 2nd Place
Rate Term LTV Minimum Maximum
3.99% 5 years 80% $30,000 $100,000
4.75% 10 years 80% $30,000 $100,000
6.00% 15 years 80% $30,000 $100,000

NOTE RATES QUOTED WITH FICA SCORE OF 699 PLUS.