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Loan Rates

Rates effective September 22, 2014

Compare your current loan rate to ours, and let us save you some money.

APR = Annual Percentage Rate

Credit Card Rates

Credit Card Rates
Card TypeAPR for PurchasesAPR for Balance TransfersAPR for Cash Advances
Visa Platinum8.95% to 17.95% based on your credit history8.95% to 17.95% based on your credit history8.95% to 17.95% based on your credit history
Visa Platinum Rewards10.95% to 17.95% based on your credit history10.95% to 17.95% based on your credit history10.95% to 17.95% based on your credit history
Visa Signature®9.95% to 16.95% based on your credit history9.95% to 16.95% based on your credit history9.95% to 16.95% based on your credit history
Visa Student12.95%12.95%12.95%
Visa Student Rewards14.95%14.95%14.95%
Visa Secured14.95%14.95%14.95%

Mortgage Rates

First Mortgage Rates
TermRatePointsAPRPayment Amount Per $1,000.00 Borrowed
25/30 Year Fixedas low as 4.375%04.426%$5.03
20 Year Fixedas low as 4.125%04.195%$6.19
15 Year Fixedas low as 3.500%03.589%$7.23
10 Year Fixedas low as 3.250%03.378%$10.01

The assumptions for APR and cost per thousand calculations detailed above are as follows:

  • Rate and term refinance
  • Loan amount of $185,000
  • Property Value of $250,000
  • Closing fees of $2,707
  • Credit Score >= 740

*Assumes a downpayment of 20%, a standard 45 day rate lock, and a loan amount of $150,000.

Mortgage Loans without an escrow for Real Estate taxes will be subject to an interest rate increase. Real Estate Tax escrow required on all loans with downpayments/equity less than 20%. Mortgage Loans with value in excess of 80% require Private Mortgage Insurance (PMI).

Email: Sue Camolli, Mortgage Loan Originator

Rates subject to change.

First Mortgage rates updated daily by 12pm EST.

Apply for a First Mortgage or get Pre-Approval.

Second Mortgage Loan Rates (5 Year)
TermRatePayment Amount Per $1,000.00 BorrowedAPR
5 Year - 80% Loan to Valuerates as low as 3.50%$18.76rates as low as 3.50%
5 Year - 90% Loan to Valuerates as low as 7.00%$20.40rates as low as 7.00%
5 Year - 100% Loan to Valuerates as low as 14.00%$23.14rates as low as 14.00%
Second Mortgage Loan Rates (10 Year)
TermRatePayment Amount Per $1,000.00 BorrowedAPR
10 Year - 80% Loan to Valuerates as low as 4.00%$10.73rates as low as 4.00%
10 Year - 90% Loan to Valuerates as low as 7.50%$12.53rates as low as 7.50%
10 Year - 100% Loan to Valuerates as low as 13.00%$15.68rates as low as 13.00%
Second Mortgage Loan Rates (15 Year)
TermRatePayment Amount Per $1,000.00 BorrowedAPR
15 Year - 80% Loan to Valuerates as low as 6.25%$8.44rates as low as 6.25%
Second Mortgage Loan Rates (20 Year)
TermRatePayment Amount Per $1,000.00 BorrowedAPR
20 Year - 80% Loan to Valuerates as low as 7.25%$7.68rates as low as 7.25%
  • Your rate will be determined by your credit report.
  • Home Equity loan rates will be increased by 0.50% if loan amount is less than $25,000.00
  • Property and/or flood insurance required.

Home Equity Lines of Credit Rates (HELOC)

Home Equity Lines of Credit
TermAPRPayment Per $1000 BorrowedAssumptions
Up to 80% (Loan to Value)as low as Prime*$3.40Platinum credit and loan amount for $25,000
85% LTVas low as Prime + 1.5%$4.0331 day month used for payment per thousand calculation
90% LTVas low as Prime + 3.5%$5.73Prime is currently 3.25%
95% LTVas low as Prime + 6.0%$7.86*Floor of 4.0% on all home equity lines of credit
100% LTVas low as Prime + 9.0%$10.40
  • Your rate will be determined by your credit report.
  • Rates on Home Equity Line of Credits will be increased by 0.50% if line amount is less than $25,000.00
  • Variable Rate is based on The Wall Street Journal Prime Rate as of the last business day of the previous billing cycle. Prime Rate is currently 3.25% APR.
  • Minimum APR 4.00%, Maximum APR 18.00%
  • Property and/or flood insurance required.

Auto Rates

Auto Loan Rates
TermRate*Payment Amount Per $1,000.00 BorrowedAssumptions
Up to 39 monthsas low as 2.0% APR$26.50Platinum credit and loan amount of $15,000
51 Monthsas low as 2.25% APR$20.58
63 Monthsas low as 2.5% APR$16.95
75 Monthsas low as 3.25% APR$14.75
84 Monthsas low as 4.00% APR$13.90
Boat & Recreational Vehicle Loan Rates
TermAPRPayment Amount Per $1,000.00 BorrowedAssumptions
Up to 24 Monthsas low as 7.0% APR$44.77Platinum credit and a loan amount of $15,000
48 Monthsas low as 8.0% APR$24.41
60 Monthsas low as 8.75% APR$20.64
72 Monthsas low as 8.75% APR$17.90
84 Monthsas low as 9.50% APR$16.34
96 Monthsas low as 9.50% APR$14.91
108 Monthsas low as 10.00% APR$14.08
120 Monthsas low as 10.00% APR$13.22

*Your rate will be determined by your credit report & age of vehicle.

  • Insurance required.

Student Loans

Student Loans
TermAPRPayment Amount Per $1,000.00 Borrowed
Up to 60 Monthsas low as 6.0% APR$19.33
120 Monthsas low as 7.0% APR$11.61
180 Monthsas low as 8.0% APR$9.56

Personal Loans

Personal Loans
TermPRPayment Amount Per $1,000.00 BorrowedAssumptions
12 Monthsas low as 8.00% APR$87.76
24 Monthsas low as 8.5%$45.46
36 Monthsas low as 10.00%$32.03
48 Monthsas low as 11.00%$25.60
60 Monthsas low as 12.00%$21.99
72 Monthsas low as 13.00%$19.81Minimum loan amount of $25,000 for >60 months
84 Monthsas low as 14.00%$18.46
Share/CD Secured Loans
TermAPRPayment Per $1000 BorrowedAssumptions
Share/CD rate plus 3%$9.56.05% dividend rate utilized to set loan rate. Loan amount of $15,000. Platinum credit and loan amount of $25,000.
5 Year Term
Up to 80% Loan to Value (LTV)as low as 3.5%$18.19
85% LTVas low as 5.0%$18.87
90% LTVas low as 7.0%$19.80
95% LTVas low as 9.5%$21.00
100% LTVas low as 14.0%$23.27
10 Year TermPlatinum Credit and loan amount of $25,000
Up to 80% (Loan to Value)as low as 4.0%$10.12
85% LTVas low as 5.5%$10.85
90% LTVas low as 7.5%$11.87
95% LTVas low as 10.0%$13.22
100% LTVas low as 13.0%$14.93
15 Year Term Platinum credit and loan amount of $25,000
Up to 80% (Loan to Value)as low as 6.25%$8.57
85% LTVas low as 7.75%$9.41
90% LTVas low as 9.75%$10.59
95% LTVas low as 12.25%$12.16
100% LTVas low as 15.25%$14.17
20 Year TermPlatinum credit and loan amount of $25,000
Up to 80% (Loan to Value)as low as 7.25%$7.90
85% LTVas low as 8.75%$8.84
90% LTVas low as 10.75%$10.15
95% LTVas low as 13.25%$11.89
100% LTVas low as 16.25%$14.10

†Your rate will be determined by your credit report and term selected.