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home > rates > home equity loan rates
Home Equity Rates
Home Equity & Manufactured Home Loan Rates
Effective: June 16, 2008
Fixed Rate Home Equity Loans
First or Second Deed Of Trust (DOT), Owner Occupied
APR†
(as low as)		 LTV
(loan to value)		 Maximum Term
(months)
6.99%85%180
7.74%90%180
    Additional Information:
  • * May require Private Mortgage Insurance (PMI)
  • Non-owner occupied are 1.00% higher than above-posted rates. Maximum term 144 months.

Effective: June 16, 2008
Home Equity Line Of Credit
First or Second Deed Of Trust (DOT), Owner Occupied
APR†
(as low as)		 LTV
(loan to value)		 Maximum Term
(months)
5.00%**85%Prime
6.00%**90%Prime plus 1.00%
    Additional Information:
  • * May require Private Mortgage Insurance (PMI)
  • **The Home Equity Line Of Credit (HELOC) rate is based on The Wall Street Journal Prime Rate listed in the Money Rates Section. The rate is adjusted quarterly based upon the highest Prime Rate in effect on the 25th day of the month immediately preceding the end of each calendar quarter of the year. The rate will be effective on the first day of the following quarter plus the margin assigned to the account.
  • Maximum term 144 months.

Effective: June 16, 2008
Manufactured Home Loans - Single Wide
Owner Occupied and Titled
APR†
(as low as)		 LTV
(loan to value)		 Loan Amount Maximum Term
(months)		 Age
9.25%** 70%*No Maximum144 1999+


Effective: June 16, 2008
Manufactured Home Loans - Double & Triple Wide
Owner Occupied and Titled
APR†
(as low as)		 LTV
(loan to value)		 Loan Amount Maximum Term
(months)		 Age
9.25%** 80%*$25,001+144 1996+
8.75%** 80%*Up to $25,000120 1996+
†APR Refers to Annual Percentage Rate

The rate for which a borrower qualifies may depend upon the borrower's credit score, term of loan, down payment, and past credit performance. This rate schedule sets forth certain conditions, rates, fees and charges applicable to your accounts at the Credit Union at this time. The Credit Union may offer other rates or amend the rates contained in this schedule from time to time.TEST

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