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Home Equity Rates

The Annual Percentage Rates are effective as of January 12, 2010

 
No Points No Closing Costs**
APR

Home Equity
Line of Credit *

20 Year Term
#Variable Rate

Current APR is 4.00%

(Minimum Rate 4.00%)

Prime Rate - .50% for Life of Loan for Lines of Credit $100,500 to $150,000***

 

4.00%


Current Prime Rate - .50% is 4.00% *

*The rates and APRs are as of 1/12/10 and are subject to change. The Home Equity Line of Credit APR is .50% below the Prime Rate as published in the Wall Street Journal on the last business day of each month. As of 1/12/10, the Prime Rate is 3.25%. The APR is subject to change monthly. The minimum interest rate will not be less than 4.00% and it may increase after consummation to a maximum of 18%. The maximum combined loan-to-value is 75%. Owner occupied, 1-4 family properties. **If you believe the property assessment on your tax bill is undervalued, a $275 fee may be paid for a bank appraisal.The APR is as of 1/12/10. Property insurance is required. Flood Insurance may be required. Please consult a tax advisor regarding the deductibility of interest. A termination fee of 1% of the credit line will be imposed if the credit line is closed within the first 3 years. *Autopay from a CRB checking account is required. ***Other rate programs available for lower Line of Credit limits. Minimum Line of Credit is $10,000 and maximum is $150,000. Rates subject to change without notice.

The Annual Percentage Rates are effective as of 1/12/10.
Fixed Rate Home Equity Loans

Loan Type

Rate
 Points
APR
P&I Pmt PER $1000
5 Years

5.875%*

 0.00
5.875%*
$19.27
Without Autopay
6.375%
 0.00
6.375%
$19.51
10 Years
 6.125%* 0.00 6.125%* $11.16
Without Autopay
6.625% 0.00 6.625% $11.42
12 Years
6.250%* 0.00 6.250%* $9.89
Without Autopay
6.750% 0.00 6.750% $10.15
15 Years
6.375%* 0.00 6.375%* $8.64
Without Autopay
6.875% 0.00 6.875% $8.92

Loan Amounts are $10,000 to $150,000 for the 5, 10, 12 and 15 year terms. Maximum Combined Loan To Value is 75%. APR based on a $150,000 loan with an 75% LTV. No Points & No Closing Costs (Unless stated otherwise**)

*Autopay from a CRB deposit account is required.**If you believe the property assessment on your tax bill is under-valued, a $275 fee may be paid for a bank appraisal.