Mortgage & Home Equity Rates

Interest Rates are subject to change without notice.

*Annual Percentage Rate (APR) subject to change without notice. Advertised APR based on a credit score of 750 or higher. Other rates and terms available based on creditworthiness. Escrow is required for Loan to Value (LTV) over 80%. Monthly payments are disclosed per $100,000 with a 30 year term and LTV of 80% or less. Payments do not include taxes or insurance and actual payment may be greater. Property insurance (and flood insurance if applicable) required. APR is accurate as of the effective date. An LTV greater than 80% requires Private Mortgage Insurance (PMI) which could increase your monthly payment and APR.

Interest Rates are subject to change without notice.

**Annual Percentage Rate (APR) subject to change without notice. Advertised APR based on credit score of 750 or higher. All payments quoted with beginning balance of $100,000. 7 to 1 Adjustable Caps 2% - 6%. Current margin 2.50% and current index 1.72%. ***The second payment stream will be based on fully indexed rate or the floor rate if the floor rate is greater than the fully indexed rate. Escrow is required for Loan to Value (LTV) over 80%. Monthly payments are disclosed per $100,000 with a 30 year term and LTV of 80% or less. Payments do not include taxes or insurance and actual payment may be greater. Property insurance (and flood insurance if applicable) required. APR is accurate as of the effective date. The APR is subject to increase after closing. An LTV greater than 80% requires Private Mortgage Insurance (PMI) which could increase your monthly payment and APR. Other ARM products may be available.

Interest Rates are subject to change without notice.

*Annual Percentage Rate (APR) of 1.99% is fixed for the first 6 months, followed by a variable rate based on the Prime Rate as published in The Wall Street Journal on the first business day of the month. Current index rate may vary. Advertised APR based on a credit score of 720 or higher. Other rates and terms available based on creditworthiness. Maximum loan amount is $250,000; maximum loan term is 180 months. Minimum initial draw at closing of $25,000 in new funds. 1-4 family, owner-occupied, primary residence properties only; no closing costs. Payments do not include taxes or insurance and actual payment may be greater. Property insurance (and flood insurance if applicable) required. Your tax advisor should be consulted as any interest expense incurred may be tax deductible. Properties with a loan-to-value (LTV) of 80% or less only. APR will not fall below 4.00%. All rates must not exceed state usury rate of 21%. No annual fee for first year, $50 per year thereafter. New People’s Credit Union loans only. Additional fees may apply if held in trust or with power of attorney.

 Interest Rates are subject to change without notice.

*Annual Percentage Rate (APR) subject to change without notice. Advertised APR based on a credit score of 720 or higher. Other rates and terms available on creditworthiness. Maximum loan amount of $250,000; maximum loan term is 180 months. 1-4 family, owner-occupied, primary residence properties only; no closing costs. Payments do not include taxes or insurance and actual payment may be greater. Property insurance (and flood insurance if applicable) required. Your tax advisor should be consulted as any interest expense incurred may be tax deductible. Properties with a loan-to-value (LTV) of 80% or less only. APR will not fall below 4.50%. No annual fee. Additional fees may apply if held in trust or with power of attorney.

Interest Rates are subject to change without notice.

*Annual Percentage Rate (APR) subject to change without notice. Advertised APR based on a credit score of 720 or higher with a maximum Combined Loan-To-Value (LTV) of 90%. Other rates and terms available based on creditworthiness. Maximum loan amount of $250,000; maximum loan term is 180 months. Single Family, Duplex or Condo, owner-occupied, primary residence properties only. Payments do not include taxes or insurance and actual payment may be greater. Property insurance (and flood insurance if applicable) required. APR will not fall below 6.25%. No annual fee. Additional fees may apply if held in trust or with power of attorney.

 Interest Rates are subject to change without notice.

*Annual Percentage Rate (APR) is effective as of 04/03/2019 and subject to change without notice. Advertised APR based on a credit score of 720 or higher with a maximum Loan-To-Value (LTV) of 80% and first lien position. Other rates and terms available based on creditworthiness. Account subject to individual approval. 1-4 Family Owner-Occupied, Condominium or Second Home(which is not a rental property) only. Property insurance (and flood insurance if applicable) is required. Maximum loan amount $250,000. Additional fees will apply if held in trust or with power of attorney. Monthly payments do not include insurance and taxes. Monthly payment for loans with maximum LTV of 80% is $9.66 per thousand borrowed for 120 months. Monthly payment advertised is for 120 month term. Other conditions may apply. Please consult a tax advisor regarding the deductibility of interest. See branch for full details.

Interest Rates are subject to change without notice.

*Annual Percentage Rate (APR) subject to change without notice. Rate offered with maximum Loan-To-Value (LTV) of 80%.

**Annual Percentage Rate (APR) is effective as of 12/27/2018 and subject to change without notice. Advertised APR based on a credit score of 720 or higher with a maximum Loan-To-Value (LTV) of 80% and second lien position. Other rates and terms available based on creditworthiness. Account subject to individual approval. 1-4 Family Owner-Occupied, Condominium or Second Home (which is not a rental property) only. Payments do not include taxes or insurance and actual payment may be greater. Property insurance (and flood insurance if applicable) required. Maximum loan amount $250,000. Monthly payments do not include insurance and taxes. Monthly payment for loans with maximum LTV of 80% is $12.18 per thousand borrowed for 96 months. Monthly payment advertised is for 96 month term. Other conditions may apply. Please consult a tax advisor regarding the deductibility of interest. Additional fees may apply if held in trust or with power of attorney.

Interest Rates are subject to change without notice.

*Annual Percentage Rate (APR) subject to change without notice. Advertised APR based on a credit score of 720 or higher with a maximum Combined Loan-To-Value (LTV) of 90%. Other rates and terms available based on creditworthiness. Single Family, Duplex or Condo, Owner-Occupied Primary Residence Properties only. Payments do not include taxes or insurance and actual payment may be greater. Property insurance (and flood insurance if applicable) required. Maximum loan amount $250,000. Additional fees may apply if held in trust or with power of attorney.

Interest Rates are subject to change without notice.

*Annual Percentage Rate (APR) subject to change without notice. Advertised APR based on a credit score of 720 or higher with a maximum Combined Loan-To-Value (LTV) of 90%. Other rates and terms available based on creditworthiness. Single Family, Duplex or Condo, Owner-Occupied Primary Residence Properties only. Payments do not include taxes or insurance and actual payment may be greater. Property insurance (and flood insurance if applicable) required. Maximum loan amount $250,000. Additional fees may apply if held in trust or with power of attorney.