Mortgage Rates Effective as of December 23, 2008
Rates and programs subject to change without notice
| Fixed Rate Mortgages1 | Points | Interest Rate | Annual Percentage Rate | Monthly Payment per $1000 borrowed |
| 10 Year | 1 | 5.00% | 5.23% | $10.61 |
| 0 | 5.25% | 5.25% | $10.73 | |
| 15 Year | 1 | 5.00% | 5.16% | $7.91 |
| 0 | 5.25% | 5.25% | $8.04 | |
| 20 Year | 1 | 5.125% | 5.25% | $6.67 |
| 0 | 5.375% | 5.375% | $6.81 | |
| 30 Year | 1 | 5.25% | 5.35% | $5.53 |
| 0 | 5.50% | 5.50% | $5.68 |
| Adjustable Rate Mortgages 2/6 Caps2 | Points | Interest Rate | Annual Percentage Rate | Monthly Payment per $1000 borrowed 3 |
| 5 Year/1 Year | 1 | 5.50% | 5.29% | Initial P&I - $5.68 / Fully Indexed P&I - $5.41 |
| 0 | 5.75% | 5.30% | Initial P&I - $5.84 / Fully Indexed P&I - $5.43 | |
| 7 Year/1 Year | 1 | 5.75% | 5.47% | Initial P&I - $5.84/ Fully Indexed P&I - $5.45 |
| 0 | 6.00% | 5.50% | Initial P&I - $6.00/ Fully Indexed P&I - $5.47 |
1 year FHLB Classic Advance Rate Index 1.40%
Floor rate of 5.00%
APR may increase after consummation.
These rates and Annual Percentage Rates are for 1-4 family owner occupied residences at or below 80% loan to value. Mortgages exceeding 80% loan to value, to a maximum of 97% loan to value, are available with Private Mortgage Insurance. Annual Percentage Rates (APR's) are adjusted if PMI is required. APR's on ARM's assume a 30 year amortized mortgage. Adjustable rate mortgages may be assessed a penalty if paid off early.
1 Fixed rate mortgages subject to loan limits
2 Caps are the maximum interest rate changes for each adjustment following the fixed term and for the life of the loan
3 Fully indexed rate has a 3.00% margin added to the 1 year FHLB Classic Advance Rate
Home Equity Line of Credit
| Line Of Credit | Rate | Fees |
| Prime Rate | 5.00%* | No Points, No Application Fee |
*The interest rate will be the prime lending rate published in the Wall Street Journal on the last business day of the month with a floor of 5.00%. The prime rate as of 12/17/08 was 3.25%. Rates are subject to change without notice but will never exceed 18% APR. An annual fee of $50 applies, and will be waived the first year.
Offer available for 1-4 family owner-occupied primary residence properties. Loan to value ratio not to exceed 80%. Minimum line amount is $10,000. Subject to clear title. Property insurance required. Fee for loans terminated within the first 3 years. Interest may be tax deductible (please consult your tax advisor.)
Fixed Term Equity Loan
| Term | Points | Interest Rate | APR | Monthly Payment Per $1000 Borrowed |
| Up to 15 Year | 0 | 6.25% | 6.25% | $8.99* |
*Unit cost based on 15 Year Term. Unit cost may be higher for shorter term.
Rates are subject to change without notice. Offer available for 1-4 family owner-occupied primary residence properties. Loan to value ratio not to exceed 80%. Minimum loan amount is $10,000. Subject to clear title. Property insurance required. May be assessed a penalty if paid off early.
