SEARCH:

  

Click here for
branch hours & directions.

 
  Home > Rates > Home Equity

Home Equity

The Annual Percentage Rates are effective as of March 3, 2011
No Points No Closing Costs **

Home Equity Line of Credit*

20 Year Term

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***

APR
Current Prime Rate - .50% is 4.00%†

†The rates and APRs are as of 03/03/2011 and are subject to change. The Home Equity Line APR is .50% below the Prime Rate as published in The Wall Street Journal on the last business day of each month. Prime Rate as of 10/28/10, is 3.25%. The APR is subject to change monthly. The minimum rate will not be less than 4.000% 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 under-valued, a $275 fee may be paid for a bank appraisal.The APR is as of 10/28/10. Property insurance is required. Flood Insurance may be required. Please consult a tax advisor regarding the deductibility of interest. Minimum credit line or loan is $10,000. Maximum credit line or loan is $150,000. *Autopay from a CRB checking account is required. ***Other rate programs available for lower credit limits. Rates subject to change without notice.

The Annual Percentage Rates are effective as of 03/03/2011.
Fixed Rate Home Equity Loans

Loan Type

Rate
Points
APR
P&I Pmt PER $1000
5 Years
5.000%*
0.00
5.000%*
$18.87
Without Autopay
5.500%
0.00
5.500%
$19.10
10 Years
5.500%*
0.00
5.500%*
$10.85
Without Autopay
6.000%
0.00
6.000%
$11.10
12 Years
5.625%*
0.00
5.625%*
$9.57
Without Autopay
6.125%
0.00
6.125%
$9.82
15 Years
5.750%*
0.00
5.750%*
$8.30
Without Autopay
6.250%
0.00
6.250%
$8.57

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.