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LOAN RATES

CONSUMER
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This page provides our current loan rates only
(Rates as of 9/04/08)

For more information about our many financing options concerning terms, conditions, APR (Annual Percentage Rate), and requirements click here, or on Loans in the menu.

CONFORMING LOANS

PRODUCT

POINTS

RATE

APR

30 yr. fixed 0 6.125 6.129
30 yr. fixed NO CC's

0

6.500

6.502

20 yr. fixed 0 6.125 6.129
15 yr. fixed 0 5.750 5.790
10 yr. fixed 0 N/A N/A


PORTFOLIO LOANS

PRODUCT

POINTS

MARGIN RATE APR
1/1 ARM 1.00 .50 5.500 5.591
3/1 ARM 1.00 .75 5.750 5.843
5/1 ARM 1.00 1.00 6.000 6.094
Rates are based on Wall Street Prime

HOME EQUITY LINE OF CREDIT

Prime + 0%    (Current Rate 5.00%,APR 5.00%), up to 80% LTV
Prime + 1%    (Current Rate 6.00%,APR 6.00%), up to 85% LTV


 Home Equity Line Special!!!!
Open a new Home Equity Line of Credit and enjoy
a variable rate below Prime* for the life of the loan**

*As published in the Wall Street Journal, currently 5.00%
**Prime -0.25%; Minimum loan amount $50,000; Maximum
    LTV 80%

 

FIXED RATE 1ST NATIONAL HOME EQUITY LOAN
 

TERM

RATE

APR

60 Months

5.50%

5.703%

84 Months

6.00%

6.151%

120 Month Balloon

6.50%

6.611%

LOT LOAN or LOT w/CONSTRUCTION LOANS

Lot Only Loan

TERM

RATE

POINTS

APR

3 Year
Balloon

6.25%

1.00%

6.624%

 

Lot and Construction Loan

 

MARGIN*

TERM

RATE

POINTS

APR**

Homeowner

.75

12 mos.

5.75%

.50

6.482%

Builder Contract

1.00

12 mos.

6.00%

1.00

6.964%

Builder Market

1.50

12 mos.

6.50%

1.00

7.467%

Maximum LTV  

85%

  Self-Contracted

80%

*Current Index is the Wall Street Journal Prime Rate (5.00%) as of 1/31/08
**APR based on $100,000 and 12 MO term

INSTALLMENT LOANS

AUTO/TRUCK

TERM

RATE

APR

New Models 72 5.99 6.09
2006-2007 Models (Used) 66 6.25 6.36
2004-2005 Models 60 6.75 6.87
2001-2003 Models 48 7.50 7.64
2000 & Older Models 36 8.50 8.68
New Motorcycles, Boats, etc. 48 8.75 8.91
Used Motorcycles, Boats, etc. 36 9.50 9.71