Accounts & Services

• Interest Only - $100 minimum

• Up to 90% Loan to Value on owner-occupied properties for qualified borrowers.
• Up to 70% Loan to Value on non-owner-occupied properties for qualified borrowers.
• Minimum $10,000
• Maximum $200,000 (For higher loan amounts, please contact us.)

• $5,000 minimum 1st advance required following the expiration of the rescission period
• $500 minimum thereafter

• Internet Home Banking
• Checks (25 free checks)
• By phone using A.R.T. (Audio Response Teller)
• In person

• None, unless funds are to be used for a bridge loan. See FAQs for details.

• Usually within 24 hours pending appraisal & title

• 7 year draw period with a balloon payment at the end of the draw period

• Direct Deposit with Automatic transfer
• Payroll deduction^†
• Home Banking transfer
• By phone with A.R.T.
• By mail or in person

3.99% 120-day Introductory APR
Followed by a variable APR* thereafter based on credit line, see current rates below

Rates effective as of 11/13/2008

Rates shown above are based on a loan-to-value (LTV) of 85% or less. If the LTV exceeds 85% or property is non-owner occupied, add 1% to the current rate and the introductory rate does not apply. An early closure fee up to $350 will be assessed if you pay off and close your Home Equity Line-of-Credit or Home Equity Loan within the first 12 months.

Rates effective as of 11/13/2008

Prime Rate according to the Wall Street Journal as of 10/30/08 was 4.00%

• A fee up to $350 will be assessed if you pay off and close your Home Equity Line-of-Credit within the first 12 months.