Fixed Rate Home Equity Loans

Max Term	80% LTV	90% LTV
5 Years	6.240%	7.490%
10 Years	6.740%	7.740%
15 Years	6.990%	8.490%

Home Equity LOC ^*

Max Term	80% LTV 1	90% LTV 2
10 Years	5.000%	6.500%

All Rates and APRs effective as of 11/18/2008 and are subject to change without notice.

^* HELOC rates are variable and adjust monthly
¹ Wall Street Journal Prime - rate will not fall below 5%
² Wall Street Journal Prime + 1½% - rate will not fall below 6½%

Stop by the branch office nearest you, call or e-mail a Consumer Loan Officer for more information about these and other loan programs we have available.

Mortgage Rates | Consumer Rates | Home Equity Rates