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Smarter Members. Local Values. Community Focused.

Home Loan Rates

Rates Effective October 20, 2023

Adjustable-Rate Home Equity Line of Credit
Repayment Term APR 1,2,3
180 Months Prime + 0.00 -1.50 (80% or Less LTV)
  8.50% - 10.00% (80% or Less LTV) 
Fixed Rate Home Equity Loan
Repayment Term APR 1,5
1 Month - 180 Months 7.24% - 8.24% (80% or Less LTV)
1 Month - 120 Months 6.99% - 7.99% (81% - 90% LTV4)
Fixed Mortgage Refinance Loan
Repayment Term APR 1,5
1 Month - 360 Months 6.49% - 7.24% (80% or Less LTV)

All rates are subject to change without notice. 

¹ Actual rate will vary depending on applicant’s credit ratings and length of loan term. 

² You may draw against your credit line any time during the first five years after closing.

³ APR may vary, minimum APR is 3%, maximum APR is 16%.

Maximum loan amount is $25,000 or less when LTV exceeds 80%

Payment example based on a $10,000 loan: $113.76 at 6.49% APR with a 10-year term; $88.66 at 6.74% APR with a 15 year-term; $77.68 at 6.99% APR with a 20-year term; $68.35 at 7.24% APR with a 30-year term.

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