Mortgage Rates

Check out our latest mortgage rates for 30-year fixed, 10-year fixed, 10/1 Adjustable (ARM) and 5/1 Adjustable (ARM) loans, as well as rates for home equity loans and lines of credit.

Rates are accurate as of:  December 15, 2017

TYPETERM (YEARS)MAXIUM LOAN TO VALUEPOINTSRATEAPRMONTHLY PAYMENT PER $1000 BORROWED 
FIXED30 YEARS97%0%4.00%4.01%$4.77Apply
FIXED15 YEARS97%0%3.55%3.57%$7.17Apply
5/1 ARM ADJUSTABLE30 YEARS80%0%3.50%4.15%$4.49Apply
10/1 ARM ADJUSTABLE30 YEARS80%0%3.75%4.05%$4.63Apply

Maximum loan amount: $417,000*The Annual Percentage Rate (APR) is subject to change without notice. The APR is based upon an 80% loan-to-value ratio and a sample loan amount of $200,000. All loans are subject to application and approval. The monthly payment does not reflect amounts to be paid into escrow, such as insurance or taxes, and the actual payment obligation will be greater. Property insurance is required. Adjustable Rate Mortgages (ARMs) are subject to rate changes after the loan has closed. The 5/1 ARM interest rate is subject to increase at the end of the 5-year fixed rate period. Your interest rate may be adjusted annually thereafter and will be based on an index plus a margin. The interest rate will be based on the weekly average yield of the United States Treasury securities adjusted to a constant maturity of 1 year (your index), plus our margin. These rates depend on your individual credit history and specific loan transaction. The loan pricing (rate and points) may only be locked in by the mortgage department upon approval.

TYPETERM (YEARS)MAXIMUM LOAN TO VALUEAPRMONTHLY PAYMENT PER $1,000 BORROWED 
Fixed Loan*580%3.50%$18.19Apply
Fixed Loan*1080%4.50%$10.36Apply
Fixed Loan*1580%5.50%$8.17Apply
Line of Credit*15-year interest-only draw period, 30-year total term80%2.750%** - 12 Month
Introductory Rate

4.25% - after 12
Months, Prime Rate - Variable
Payments vary based on outstanding amountApply

* All closing costs are waived on the condition that the Home Equity Line/Loan remains open for three years. (If the Bank attorneys require Title Insurance, you will pay the cost.) Should the Home Equity Line/Loan close prior to three years, all closing costs previously waived would be collected, estimated to range between $445 - $1,165 for loans up to $100,000.
This limited time offer is available on loans of $7,500 or more but less than $100,000 and is subject to change without notice. The maximum amount of the home equity line/loan based on the value of your property is determined by multiplying 80% of the appraised value of the property minus any outstanding mortgage loan amounts. All or part of the interest on a Home Equity Line/Loan may be tax deductible under the Tax Reform Law. We suggest you consult your tax advisor regarding the deductibility of the interest. Property insurance is required, which includes, if required, flood insurance. Monthly payments do not include amounts for taxes and insurance premiums and actual payments will be greater. The Home Equity Line of Credit rate cap is 24.99% and the rate floor is 4.25%.
The monthly payment does not reflect amounts to be paid into escrow, such as insurance or taxes, and the actual payment obligation will be greater.
** NEW CUSTOMERS ONLY: The Home Equity Line for an 80% Loan to Value has an initial rate of 2.750% for 12 months, thereafter a variable rate with the Annual Percentage Rate (APR) calculated by adding 0% to the highest Prime Rate published by the Wall Street Journal.