Updated Loan Rates

Loan Rates

Effective: 01/31/2012

FIXED RATE MORTGAGES

Product Description

Initial Rate

Effective APR*

15 year

3.125

3.127

$696.61

20 year

3.625

3.627

$586.40

30 year

3.875

3.876

$470.24

ADJUSTABLE RATE MORTGAGES

Product Description

Initial Rate

Effective APR*

Index

Initial Payment / $100,000

3 Year ARM

4.950

3.776

0.360

$581.60

BALLOON MORTGAGES

Product Description

Initial Rate

Effective APR*

Initial Payment / $100,000

3 Year Balloon

4.600

4.604

$561.60

5 Year Balloon

4.610

4.613

$562.05

CONSUMER LOANS

Vehicles

Term

Rate

Effective APR**

Downpayments

New 2012, 2011

Max 60 months

5.093

5.219

20.00%

Used 2011, 2010

Max 60 months

5.843

5.969

20.00%

2008

Max 48 months

6.249

6.405

30.00%

2007

Max 36 months

6.595

6.798

30.00%

2006

Max 24 months

6.595

6.890

30.00%

*Annual Percentage Rate
APR based on loan amt of $100,000 w/ 20% down

** Annual Percentage Rate
APR based on 20,000 for maximum term

NOTE: These rates are without adjustments for loan to value, credit scores below 740, or subordinate financing.

All rates subject to change without notice.