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Spring Loan Specials

Looking for the perfect place to call home?

Ready to make your place more perfect?

We can help you find a loan that works best for your goals and finances.

Home Loan Specials

If you’re shopping for your new or next home, our home loan specials may make sense for you!

  • Reduced rates on 3 and 5-year adjustable rate loans
    • 3-year ARM: 3.49%          5.199% APR1
    • 5-year ARM: 3.79%          5.038% APR1
  • 10-year fixed rate loan
    • Option 1: Reduced rate and no loan fee
      • 3.79%          3.881% APR1
      • $699 loan fee waived
    • Option 2: No loan fee and no closing costs
      • 4.25%          4.250% APR1
      • $699 loan fee waived
      • Bank will pay up to $2,000 in closing costs
    • May be used as a second mortgage
    • Cannot be used for investment property

1Adjustable Rate Mortgage (ARM) Loans include variable rates. APR on the 3/1 ARM loan may increase at three years and annually thereafter. APR on the 5/1 ARM loan may increase at five years and annually thereafter. APR for ARM loans is based on an index of the weekly average yield on US Treasury securities adjusted to a constant maturity of one year, as made available by the Federal Reserve Board, plus a margin of 3.625%. The index rate plus margin available as of May 4, 2018 is 5.885%. Fixed Rate Mortgage Loans are available on a 10-year term. Payments for all loans described herein do not include expenses such as private mortgage insurance, property/flood insurance, or taxes, which may apply to your loan if applicable. All loans are subject to credit approval. Additional terms and conditions may apply.

Home Equity Line of Credit Special

Whether it’s home improvements, a new boat or vehicle, a special vacation, or paying for college costs or a wedding, a home equity account is a smart way to afford purchases.

No strings. No tricks. Just a great rate for 6 months.

  • 2.99% APR2 on all purchases 180 days from account opening then, variable rate as low as 4.75% APR2
  • 4 easy ways to access your money: check, credit card, cash advance, or online transfer
  • No minimum balance requirement
  • No closing costs
  • No fee the first year
  • Make payments online or at any banking office
  • Potential tax advantages3
  • Apply between April 16 and August 31, 2018 to get the special rate

Already have a HELOC and want to take advantage of the special rate? You can if you increase your line by at least $5,000. Ask a banker today!

2Annual Percentage Rate (APR) will be fixed at 2.99% for a period of 180 days on all new home equity line of credit accounts and existing accounts with a credit limit increase of $5,000 or more. The initial discounted APR will remain in effect for 180 days from the date of the agreement, after which time the APR is based on WSJ Prime and any applicable margin. The margin, if any, is based on your home’s loan-to-value ratio and may range from 0 to 1.50%. After the initial discounted APR period, the rate is variable and subject to change daily. As of April 18, 2018, APR is 4.75%. The maximum APR will not exceed 25%. A $50 annual fee is waived for the first year, but applies annually in subsequent years. The full term of the loan is 120 months. There is an early termination fee for accounts open less than 36 months, the amount of which varies depending on the amount of the account and can be up to $500. To qualify, a loan application must be submitted on or before August 31, 2018. Terms and conditions of this offer are subject to change without notice. Additional information and disclosures available upon request or at the time of application. Subject to credit approval.

3Interest paid on the portion of the loan that is greater than the fair market value of the dwelling secured by the loan, if any, is not tax deductible for federal income tax purposes. Consult a tax advisor for further information regarding the deductibility of interest and charges.

Rely on us for:

  • Competitive rates
  • Honest advice from experienced advisors
  • Local servicing
  • Fast approvals and closings
  • Quick responses
  • Flexible appointments
  • Variety of loan options