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Home Equity

The Annual Percentage Rates are effective as of July 1, 2014
No Points No Closing Costs **

Home Equity Line of Credit*

20 Year Term

Current APR is 2.75%

 

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

APR
Current Prime Rate - .50% is 2.75%†

The rates are as of 07/01/14 and are subject to change. The APRs are as of 07/01/14. ***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 07/01/14 is 3.25%. The minimum rate will not be less than 4.000% and may increase after consummation to a maximum 18% for Home Equity Lines of credit from $10,000 to $24,999. The APR is subject to change monthly and may increase after consummation to a maximum 18%. The APR is subject to change monthly and may increase after consummation to a maximum 18% for Home Equity Lines of Credit of $25,000 to $150,000. 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 or valuation report obtained by the Bank is undervalued, a $350 fee may be paid for a bank appraisal. 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 07/1/2014.
Fixed Rate Home Equity Loans

Loan Type

Rate
Points
APR
P&I Pmt PER $1000
5 Years
2.990%*
0.00
2.990%*
$17.96
Without Autopay
3.490%
0.00
3.490%
$18.19
10 Years
3.490%*
0.00
3.490%*
$9.88
Without Autopay
3.990%
0.00
3.990%
$10.12
12 Years
3.790%*
0.00
3.790%*
$8.65
Without Autopay
4.290%
0.00
4.290%
$8.90
15 Years
3.990%*
0.00
3.990%*
$7.39
Without Autopay
4.490%
0.00
4.490%
$7.65

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 $350 fee may be paid for a bank appraisal.