Client Services

Home Equity Rates

Home Equity Loan Rates

Term	Interest Rate	APR*	Monthly Payments per $1,000 borrowed
5 Years	6.750	6.750	$19.68
10 Years	7.000	7.000	$11.61
15 Years	7.250	7.250	$9.13
20 Years	7.500	7.500	$8.06

*Annual Percentage Rate (APR) effective February 13, 2026 and subject to change at any time. The APR is variable with a margin of -1% for the first 12 months. Thereafter, the rate is Prime + 0% and is a variable rate based on the prime rate as published in the Wall Street Journal and adjusts monthly. Prime as of 12/11/2025 is 6.750%. Maximum APR is 18%. Combined Loan to value not to exceed 80%. Available for 1-4 family primary residences and second homes. Early termination fee of $500 applies to lines closed within the first 36 months. Payments do not include Taxes or Insurance. The actual payment may be higher. Property Insurance required.

Home Equity Line of Credit

Term	Interest Rate	APR**
20 Years 10/10 - Prime minus 1% for 12 months then Prime plus 0.	5.75%	5.75%

**Annual Percentage Rate (APR) effective February 13, 2026 and subject to change at any time. The APR is variable with a margin of -1% for the first 12 months. Thereafter, the rate is Prime + 0% and is a variable rate based on the prime rate as published in the Wall Street Journal and adjusts monthly. Prime as of 12/11/2025 is 6.750%. Maximum APR is 18%. Combined Loan to value not to exceed 80%. Available for 1-4 family primary residences and second homes. Early termination fee of $500 applies to lines closed within the first 36 months. Payments do not include Taxes or Insurance. The actual payment may be higher. Property Insurance required.

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