Current Rates

Deposits

Deposits

Please note: Rates below are current as of April 1, 2016 and are subject to change without notice. Disclosures

Checking Accounts Average Daily Balance Annual Percentage Yield Dividend Rate
Freedom Checking
AmeriCU’s basic checking product, with no monthly fees, no minimum balance requirements and no per check charges. N/A N/A N/A
Performance Checking
For higher balance members, this checking option pays dividends compounded and paid monthly, when you maintain an average daily balance of $2,500 or more. If your average daily balance falls below $1,000, there is a $5.00 monthly minimum balance fee. N/A 0.200% 0.200%
Privileged Checking
AmeriCU’s special checking service, for members age 50 and older. There are no minimum balance fees, no per check charges, and members are eligible for discounts on other services. Plus, dividends are earned when you maintain an average daily balance of just $500 or more. N/A 0.200% 0.200%
iQ Checking
(For members 18-25 years of age) This checking account is designed for our student members getting started in the world of finance. There is no minimum balance required to open this account. Once member turns 26 years of age, the iQ Checking will automatically change to a Freedom Checking. N/A N/A N/A
Prestigious Checking
This is a tiered rate checking account. Dividends will be calculated based on the average daily balance. If the average daily balance falls below $5,000 during the dividend period, you will not earn dividends for the period and your account will be assessed a minimum balance fee. Direct deposit is required. $5,000 – $9,999.99 0.100% 0.100%
$10,000 – $24,999.99 0.200% 0.200%
$25,000 and up 0.350% 0.349%
HSA Checking
AmeriCU is pleased to offer HSA Checking accounts to qualified individuals who are covered by a High Deductible Health Plan. HSAs are Health Savings Accounts which allow individuals to use pre-taxed dollars to be withdrawn tax-free to pay for qualified medical expenses at their own discretion. AmeriCU’s HSA Checking offer single and family options. Eligible account balances earn dividends, which are compounded and paid monthly. $25 to $2,499.99 0.150% 0.150%
$2,500.00 to $4,999.99 0.250% 0.250%
$5,000.00 to $9,999.99 0.350% 0.349%
$10,000.00 to $49,999.99 0.450% 0.449%
$50,000.00 to $99,999.99 0.550% 0.549%
$100,000.00 and up 0.600% 0.598%
Money Market Savings Average Daily Balance Annual Percentage Yield Dividend Rate
This variable rate savings option pays dividends compounded and paid monthly. Withdrawals limited to 6 per month. $0.01 – $499.99 0.050% 0.050%
$500.00 – $999.99 0.100% 0.100%
$1,000.00 – $2,499.99 0.150% 0.150%
$2,500.00 – $9,999.99 0.250% 0.250%
$10,000.00 – $24,999.99 0.300% 0.300%
$25,000.00 – $49,999.99 0.350% 0.349%
$50,000.00 – $99,999.99 0.400% 0.399%
$100,000.00 – $249,999.99 0.450% 0.449%
$250,000.00 – $999,999.99 0.500% 0.499%
$1,000,000.00 and up 0.600% 0.598%
Savings Average Daily Balance Annual Percentage Yield Dividend Rate
Share Savings
Minimum balance to open account $5.00 $50 – $999.99 0.100% 0.100%
$1,000 – $2,499.99 0.100% 0.100%
$2,500.00-$4,999.99 0.200% 0.200%
$5,000 and up 0.200% 0.200%
Stars & Stripes Share Savings
AmeriCU’s kids’ savings account, specially designed for members age 0-12. $0.01 – $999.99 3.000% 2.960%
$1,000 – $2,499.99 0.500% 0.499%
$2,500.00-$4,999.99 0.500% 0.499%
$5,000 and up 0.500% 0.499%
Holiday & Vacation Clubs
Structured Savings account for special events. Min. balance to open account is $5.00. $50 – $999.99 0.100% 0.100%
$1,000 – $2,499.99 0.100% 0.100%
$2,500.00-$4,999.99 0.200% 0.200%
$5,000 and up 0.200% 0.200%
Rising Stars Share Savings
AmeriCU’s teen savings account, specially designed for members age 13-17. $0.01 – $999.99 3.000% 2.960%
$1,000 – $2,499.99 0.500% 0.499%
$2,500.00-$4,999.99 0.500% 0.499%
$5,000 and up 0.500% 0.499%
HSA Savings
NEW! AmeriCU is pleased to offer HSA Savings accounts to individuals who are covered by a High Deductible Health Plan. HSAs are Health Savings Accounts which allow the use of pre-taxed dollars to be withdrawn tax-free to pay for qualified medical expenses at an individual’s own discretion. AmeriCU’s HSA Savings offer single and family options. Eligible account balances earn dividends, which are compounded and paid monthly. $25 to $2,499.99 0.150% 0.150%
$2,500.00 to $4,999.99 0.250% 0.250%
$5,000.00 to $9,999.99 0.350% 0.349%
$10,000.00 to $49,999.99 0.450% 0.449%
$50,000.00 to $99,999.99 0.550% 0.549%
$100,000.00 and up 0.600% 0.598%
Secured VISA Savings Share Accounts
Applicable for our secured VISA product only. $50 – $999.99 0.100% 0.100%
$1,000 – $2,499.99 0.100% 0.100%
$2,500.00-$4,999.99 0.200% 0.200%
$5,000 and up 0.200% 0.200%
IRA Savings Accounts Average Daily Balance Annual Percentage Yield Dividend Rate
Traditional, Tax-Free Roth & Coverdell ESAs
Note-These are variable rate savings accounts. Rates are subject to change without notice. $50 – $999.99 0.200% 0.200%
$1,000-$2,499.99 0.250% 0.250%
$2,500-$4,999.99 0.300% 0.300%
$5,000 and up 0.350% 0.349%

Note: Savings, Money Market and Checking accounts are variable rate accounts. Rates are subject to change without notice. Applicable fees could reduce earnings on the account. The rate may change after the account is opened.

Business Deposits

Business Deposits

Please note: Rates below are current as of April 1, 2016 and are subject to change without notice.

Select Business Tiered Money Market Account Annual Percentage Yield Dividend Rate
$2,500-9,999.99 0.025% 0.025%
$10,000-24,999.99 0.050% 0.050%
$25,000-49,999.99 0.100% 0.100%
$50,000-99,999.99 0.150% 0.150%
$100,000 and up 0.200% 0.200%
Select Business Savings Account Annual Percentage Yield Dividend Rate
$50-$999.99 0.025% 0.025%
$1,000-$2,499.99 0.025% 0.025%
$2,500-$4,999.99 0.050% 0.050%
$5,000 and up 0.100% 0.100%
Select Business Certificates – Min Range $1,000 Annual Percentage Yield Dividend Rate
32-89 Days Certificate 0.050% 0.050%
3-5 Month Certificate 0.150% 0.150%
6-11 Months Certificate 0.200% 0.200%
12-23 Months Certificate 0.300% 0.300%
Select Business Freedom Checking Annual Percentage Yield Dividend Rate
No minimum balance 0.025% 0.025%
Select Business Value Checking Annual Percentage Yield Dividend Rate
Avg. Daily Balance $2,500.00 0.050% 0.050%
Select Business Premier Checking Annual Percentage Yield Dividend Rate
Avg. Daily Balance $5,000-9,999.99 0.050% 0.050%
Avg. Daily Balance $10,000-24,999.99 0.100% 0.100%
Avg. Daily Balance $25,000 and up 0.100% 0.100%

Loans

Loans

At AmeriCU, our goal is to help as many members as possible obtain the credit they deserve! The rates shown here are our very best, available to those with excellent credit. Loan rates are based on each applicant’s credit history and may vary from those shown below.

The rate you receive may vary based on your MemberPlus Relationship with us.

Please note: rates below are current as of April 1, 2016 and are subject to change without notice. The rate you pay will be determined by the amount and term of loan and your credit history. All rates shown as Annual Percentage Rate (APR).

New Vehicle Loans

Model Years for Last Year, Current Year, and Next Year’s vehicles. (Minimum $5,000 on terms up to 75 months and minimum $25,000 on terms from 76-84 months)

Term APR Amount
Up to 48 Months as low as 2.24% Up to 125% of MSRP
49-66 months as low as 2.49% Up to 125% of MSRP
67-75 months as low as 2.99% Up to 125% of MSRP
76-84 months as low as 3.49% Up to 125% of MSRP

Payment Example:
A typical new auto loan of $20,000 at 2.49% APR would have 66 monthly payments of $336.29 each month, with total repayment of $22,194.61 (includes Payment Protection Plan).

Used Vehicle Loans

Model Years for vehicles 2 to 5 years old. Previously titled and registered. (Minimum $5,000 on terms up to 75 months and minimum $25,000 on terms from 76-84 months)

Term APR Amount
Up to 48 months as low as 3.24% Up to 125% of NADA/SalesPrice-whichever is less
49-66 months as low as 3.49% Up to 125% of NADA/SalesPrice-whichever is less
67-75 months as low as 3.99% Up to 125% of NADA/SalesPrice-whichever is less
76-84 months as low as 4.49% Up to 125% of NADA/SalesPrice-whichever is less

Payment Example:
A typical used auto loan of $15,000 at 3.49% APR would have 66 monthly payments of $259.35 each month, with a total repayment of $17,116.99 (includes Payment Protection Plan).

Older Used Vehicle

Model Years for vehicles 6 to 9 years old (Minimum $5,000)

Term APR Amount
Up to 48 months as low as 7.25% Up to 105% NADA/Sales Price-whichever is less
49-66 months as low as 7.75% Up to 105% NADA/Sales Price-whichever is less

Payment Example:
A typical used auto loan of $10,000 at 7.75% APR would have 66 monthly payments of $194.15 each, with total repayment of $12,813.90 (includes Payment Protection Plan).

New RV and Marine Loans

(2017-2015)

Term APR Amount
up to 66 months as low as 3.49% $5,000 +
67 – 84 months as low as 4.49% $25,000+
85 – 144 months as low as 5.49% $25,000+

Payment Example:
A typical New RV or Marine Loan of $25,000 at 4.49% APR would have 84 monthly payments of $347.42 each, with total repayment of $29,182.55.

Used RV and Marine Loans

(2014-2011)

Term APR Amount
up to 66 months as low as 4.49% $5,000+
67 – 84 months as low as 5.49% $25,000+
85 -144 months as low as 6.49% $50,000+

Payment Example: A Typical Used RV or Marine Loan of $25,000 at 5.49% APR would have 84 monthly payments of $359.17 each, with total repayment of $30,169.54.

Older Used RV and Marine Loans

(2010-2006 *maximum 10 years old*)

Term APR Amount
up to 66 months as low as 8.75% $5,000+

Payment Example:
A Typical Older Used RV or Marine Loan of $5,000 at 8.75% APR would have 66 monthly payments of $95.73 each, with total repayment of $6,317.50.

New Motorcycle and Snowmobile Loans (Maximum up to 3 years old)

(Minimum $5,000 on terms up to 75 months and minimum $25,000 on terms from 76-84 months)

Term APR Amount
Up to 48 months as low as 2.24% Up to 125% of MSRP
49-66 months as low as 2.49% Up to 125% of MSRP
67-75 months as low as 2.99% Up to 125% of MSRP
76-84 months as low as 3.49% Up to 125% of MSRP

Payment Example:
A typical new motorcycle/snowmobile loan of $15,000 at 2.49% APR would have 66 monthly payments of $251.69 each, with total repayment of $16,645.99 (includes Payment Protection Plan).

Used Motorcycle and Snowmobile Loans

(Minimum $5,000 on terms up to 75 months and minimum $25,000 on terms from 76-84 months)

Term APR Amount
Up to 48 months as low as 3.24% Up to 125% of NADA Retail
49-66 months as low as 3.49% Up to 125% of NADA Retail
67-75 months as low as 3.99% Up to 100% of NADA Retail
76-84 months as low as 4.49% Up to 125% of NADA Retail

Payment Example:
A typical used motorcycle/snowmobile loan of $10,000 at 3.49% APR would have 66 monthly payments of $172.83 each, with total repayment of $11,411.33 (includes Payment Protection Plan).

Signature/Personal/Unsecured Loans

(Includes loans for Autos more than 9 yrs old and/or less than $5,000, Pool, Computer, ATV, Jet Ski, Farm Equipment, etc.)

Term APR Amount
Up to 24 months as low as 10.00% Up to $40,000
25-36 months as low as 10.25% Up to $40,000
37-48 months as low as 10.50% Up to $40,000
49-60 months as low as 10.75% Up to $40,000
Share Pledge **
Term APR Amount Security
Up to 144 months 4% above share rate Maximum amount of shares Any share account (except checking or IRA)
Certificate Pledge **
Term APR Amount Security
Limited to date of certificate maturity 3% above certificate rate $500 up to certificate amount Certificate
Personal Line of Credit
APR Amount
as low as 10.00% up to $5,000

 

** Product not eligible for MemberPlus relationship pricing.

Credit Cards

Credit Cards

Please note: rates below are current as of April 1, 2016 and are subject to change without notice.

APR for purchases, cash advances and balance transfers Annual Fee Late Fee Notes
VISA Signature Rewards 10.50%, 11.50%, 13.50% or 15.50%**

APR based on creditworthiness. This APR will vary with the market according to the Prime Rate.

NONE Up to $25.00 Minimum payment is 3% of balance or $25.00 whichever is greater. Credit limits based on ability to repay. Returned payment fee is up to $25. Minimum credit line is $5,000, Maximum credit line is $40,000. You will not be charged interest on amounts less than $1.00. If you are charged interest, it will be no less than $0.50. Foreign Transaction Fee (Finance Charge) 1% of transaction amount in U.S. dollars.
VISA Traditional Platinum 8.50%, 9.50%, 11.50% or 13.50%**

APR based on creditworthiness. This APR will vary with the market according to the Prime Rate.

NONE Up to $25.00 Minimum payment is 3% of balance or $25.00 whichever is greater. Credit limits based on ability to repay. Returned payment fee is up to $25. Minimum credit line is $500, Maximum credit line is $30,000. You will not be charged interest on amounts less than $1.00. If you are charged interest, it will be no less than $0.50. Foreign Transaction Fee (Finance Charge) 1% of transaction amount in U.S. dollars.
MasterCard 12.90% (purchases and balance transfers)
17.90% Cash Advances
$12.00 Up to $20.00 Minimum payment is 1/48th of balance or $10.00 whichever is greater. Credit limits based on ability to repay. Returned check fee is up to $25. Minimum credit line is $500, Maximum credit line is $5,000. Minimum Interest Charge is $0.50. Foreign Transaction Fee (Finance Charge) 1% of transaction amount.
Secured VISA Platinum 15.90% (purchases and balance transfers)
17.90% Cash Advances
NONE Up to $25.00 Minimum payment is 1/48th of balance or $10.00 whichever is greater. Credit limits based on ability to repay. Returned check fee is up to $25. Minimum credit line is $500, Maximum credit line is $5,000. Minimum Interest Charge is $0.50. Foreign Transaction Fee (Finance Charge) 1% of transaction amount.

*APR = Annual Percentage Rate.
** Your standard APR may vary and is based on Prime Rate. Your rate is determined by adding a margin to the Prime Rate. The Prime Rate Index used to determine your APR is the rate published in The Wall Street Journal quarterly (January, April, July and October) and changes are effective as of the first date of your next billing cycle. Current rates as of February 2016. (See cardholder agreement for complete details.)

Open a secured savings account with AmeriCU for $500+ to get a Secured VISA®. The credit limit on your Secured VISA® = the balance in your Secured Savings Account (in increments of $100 up to $5,000).

VISA® Traditional and Signature Rewards Agreement (variable)

VISA® Agreement (non-variable)

MasterCard® Agreement

Please note that Credit Cards are not eligible for MemberPlus Relationship Pricing.

Share Certificates

Share Certificates

Please note: rates below are current as of April 1, 2016 and are subject to change without notice. Disclosures

Dedicated Saver Share Certificate Minimum
Balance to Open
Annual
Percentage Yield
Dividend
Rate
3-12 Month Certificate
Core $ 50 0.500% 0.499%
Flex/Connect $ 50 0.550% 0.549%
Connect Plus $ 50 0.601% 0.599%
Partner $ 50 0.651% 0.649%
Share Certificates Minimum
Balance to Open
Annual
Percentage Yield
Dividend
Rate
32 – 89 Day Share Certificate
Core $ 1,000 0.150% 0.150%
Flex/Connect $ 1,000 0.200% 0.200%
Connect Plus $ 1,000 0.250% 0.250%
Partner $ 1,000 0.300% 0.300%
3 – 5 Month Share Certificate
Core $ 1,000 0.350% 0.349%
Flex/Connect $ 1,000 0.400% 0.399%
Connect Plus $ 1,000 0.450% 0.449%
Partner $ 1,000 0.501% 0.499%
6 – 11 Month Share Certificate
Core $ 1,000 0.650% 0.648%
Flex/Connect $ 1,000 0.700% 0.698%
Connect Plus $ 1,000 0.751% 0.748%
Partner $ 1,000 0.801% 0.798%
12 – 23 Month Share Certificate
Core $ 1,000 1.300% 1.292%
Flex/Connect $ 1,000 1.351% 1.342%
Connect Plus $ 1,000 1.401% 1.392%
Partner $ 1,000 1.452% 1.442%
24 – 35 Month Share Certificate
Core $ 1,000 1.40% 1.390%
Flex/Connect $ 1,000 1.451% 1.440%
Connect Plus $ 1,000 1.501% 1.490%
Partner $ 1,000 1.552% 1.540%
36 – 47 Month Share Certificate
Core $ 500 1.600% 1.587%
Flex/Connect $ 500 1.651% 1.637%
Connect Plus $ 500 1.702% 1.687%
Partner $ 500 1.753% 1.737%
48 – 59 Month Share Certificate
Core $ 500 1.750% 1.735%
Flex/Connect $ 500 1.801% 1.785%
Connect Plus $ 500 1.852% 1.835%
Partner $ 500 1.903% 1.885%
60 – 72 Month Certificate
Core $ 500 2.00% 1.980%
Flex/Connect $ 500 2.051% 2.030%
Connect Plus $ 500 2.102% 2.080%
Partner $ 500 2.153% 2.130%
Jumbo Certificate (3 month term)
Core $ 100,000 0.450% 0.449%
Flex/Connect $ 100,000 0.500% 0.499%
Connect Plus $ 100,000 0.550% 0.549%
Partner $ 100,000 0.601% 0.599%
Jumbo Certificate (6 month term)
Core $ 100,000 0.750% 0.747%
Flex/Connect $ 100,000 0.800% 0.797%
Connect Plus $ 100,000 0.851% 0.847%
Partner $ 100,000 0.901% 0.897%
Jumbo Certificate (12 month term)
Core $ 100,000 1.400% 1.390%
Flex/Connect $ 100,000 1.451% 1.440%
Connect Plus $ 100,000 1.501% 1.490%
Partner $ 100,000 1.552% 1.540%
Traditional IRA Certificate Accounts Minimum
Balance to Open
Annual
Percentage Yield
Dividend
Rate
3 – 5 month terms
Core $1,000 0.350% 0.349%
Flex/Connect $1,000 0.400% 0.399%
Connect Plus $1,000 0.450% 0.449%
Partner $1,000 0.501% 0.499%
6 – 11 month terms
Core $1,000 0.650% 0.648%
Flex/Connect $1,000 0.700% 0.698%
Connect Plus $1,000 0.751% 0.748%
Partner $1,000 0.801% 0.798%
12 – 23 month terms
Core $1,000 1.300% 1.292%
Flex/Connect $1,000 1.351% 1.342%
Connect Plus $1,000 1.401% 1.392%
Partner $1,000 1.452% 1.442%
24 – 35 month terms
Core $1,000 1.400% 1.390%
Flex/Connect $1,000 1.451% 1.440%
Connect Plus $1,000 1.501% 1.490%
Partner $1,000 1.552% 1.540%
36 – 47 month terms
Core $500 1.600% 1.587%
Flex/Connect $500 1.651% 1.637%
Connect Plus $500 1.702% 1.687%
Partner $500 1.753% 1.737%
48 – 59 month terms
Core $500 1.750% 1.735%
Flex/Connect $500 1.801% 1.785%
Connect Plus $500 1.852% 1.835%
Partner $500 1.903% 1.885%
60 – 72 month terms
Core $500 2.000% 1.980%
Flex/Connect $500 2.051% 2.030%
Connect Plus $500 2.102% 2.080%
Partner $500 2.153% 2.130%

Please Note: Rates below are current as of the date posted above and are subject to change without notice. Contact our Member Service Center at 800.388.2000 or 315.356.3000 to verify thereafter. A penalty may be imposed for early withdrawal of up to 3 months (90 days) worth of dividend for Certificates with a term of 12 months or less and a loss of up to 6 months (180 days) for Certificates with a term of more than 12 months. The minimum balance to earn APY is the same as the minimum opening deposit. Rate is based on your MemberPlus Relationship with AmeriCU.

Home Equity

Home Equity

At AmeriCU, our goal is to help as many members as possible obtain the credit they deserve! The rates shown here are our very best, available to those with excellent credit. Loan rates are based on each applicant’s credit history and may vary from those shown below and are also subject to underwriting guidelines. Rates shown include relationship pricing discount of .25%. The rate you receive may vary based on your MemberPlus Relationship with us.

Please note: rates below are current as of April 1, 2016 and are subject to change without notice. All rates shown as Annual Percentage Rate (APR).

Home Equity Installment Loan
Term APR Amount Security
60 months a low as 2.50% Up to 80% of appraised value, first mortgage only. First Mortgage
60 months as low as 3.25% Up to 80% of appraised value, less first mortgage. Second Mortgage
120 months as low as 2.75% Up to 80% of appraised value, first mortgage only. First Mortgage
120 months as low as 3.75% Up to 80% of appraised value, less first mortgage. Second Mortgage
180 months as low as 3.25% Up to 80% of appraised value, first mortgage only. First Mortgage
180 months as low as 4.25% Up to 80% of appraised value, less first mortgage. Second Mortgage
240 months as low as 3.75% Up to 80% of appraised value, first mortgage only. First Mortgage
360 months as low as 4.75% Up to 80% of appraised value, first mortgage only. First Mortgage
FreedomQuest Home Equity Line of Credit **

Rate Cap: 15.00%; Rate Floor: 2.75%

Term APR Amount Payment Security
0 Months – 10th Year Prime – 1% Up to 80% of appraised value, less first mortgage Interest only payment (plus insurance if applicable) on the amount used or $25.00, whichever is greater. Lien on Property
11th – 25th Year Prime – 1% Up to 80% Draw period can be renewed at our option OR this balance will be amortized over 15 years. The payment will be the principal and interest payment due (plus insurance if applicable). Minimum payment $100.00 Lien on Property

 

Home Equity Line of Credit **

Rate Cap: 15.00%; Rate Floor: 2.75%

Term APR Amount Payment Security
1st 6 Months (from date of closing) 1.99% APR (otherwise 4.50% APR). No relationship discount pricing. Up to 80% of appraised value, less first mortgage Interest only. Member makes payment on the interest due (plus insurance, if applicable) on the amount they have used. Lien on Property
7th Months – 10th Year 0 Months – 10th Year Prime + 0%
Prime + 1%
Prime + 2% (adjust monthly)
Up to 80%
81-90%
91-100%
Interest only. Member makes payment on the interest due (plus insurance, If applicable) on the amount used. Lien on Property
11th -25th years Prime + 0%
Prime + 1%
Prime + 2% (adjust monthly)
Up to 80%
81-90%
91-100%
The balance will be amortized over 15 years. The payment will be the principal and interest payment due (plus insurance, if applicable). Minimum payment $100. Lien on Property

Payment Example:
1st 6 months if LTV is 80% or less (from day of closing): Interest Only Payment (plus insurance if applicable) on the amount used or $25.00, whichever is greater.

7th mo. to 10th year OR 0 Month to 10th year if LTV is 81% or greater: Interest Only Payment (plus insurance if applicable) on the amount used or $25.00, whichever is greater.

11th to 25th year: Draw period can be renewed at our option OR this balance will be amortized over 15 years. The payment will be the principal and interest payment due (plus insurance if applicable). Minimum payment $100.00

*Prime rate as of 01/01/16 is 3.50% Annual Percentage Rate (APR). Minimum APR is 2.75%. Minimum line of credit is $15,000. Minimum draw at closing is $15,000. Rates can increase or decrease, but not to exceed 15.00% APR. Applications are subject to credit approval. Rates and terms are determined by overall credit history, loan-to-value and term of loan, and are subject to change. If loan is closed within 3 years, member reimburses closing costs incurred by AmeriCU plus any additional fees to satisfy legal requirements. Fees can range from $35 to $3,500.

** Product not eligible for MemberPlus relationship pricing.

Mortgages

Mortgages

Please note: rates below are current as of April 7, 2016 and are subject to change without notice.

Annual Percentage Rate Rate Monthly payment per $1000*
30 Year Fixed Rate Conventional as low as 3.774% as low as 3.625% $4.56
15 Year Fixed Rate Conventional as low as 3.164%  as low as 3.000% $6.91
7/1 Adjustable Rate (ARM) as low as 3.088% as low as 2.875% $4.15 (30-yr term assumed)
30 Year FHA/VA Fixed Rate as low as 4.147% as low as 3.625% $4.56

Annual Percentage Rate (APR) based on $100,000 loan amount and no prepaid interest.

Mortgage insurance may be required, which could increase your APR.

*Payments do not include amounts for taxes and insurance premiums, the actual payment obligation will be greater. (Biweekly payments also available; however, rates and terms may differ from those listed above.) Rates, terms and conditions are subject to change without notice. Consult your Mortgage Officer. The interest rate for your mortgage is set at the time you apply. You must carry property insurance. All loans subject to credit approval. For adjustable rate mortgage (ARM) loans, the APR may increase after consummation, and with each rate change, the payment will also change. For fixed rate loans, the APR will not increase for the term of the loan. Other mortgage options are available. Call 1.800.388.2000 for details.

LOAN RATES