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Mortgage Loan Rates
Effective from May 12, 2008 (unless otherwise noted)
| Home Equity Line of Credit - Adjustable Rate ‡ |
| CLTV** | Interest Rate | APR |
|
| 80% |
5.250% |
5.250% |
| **CLTV=Combined Loan to Value |
| *APR=Annual Percentage Rate. Adjustable rate is based on the Major Bank Prime Rate as published in the Wall Street Journal for the first business day of the month prior to adjustment date. Loans are subject to adjustment on the first of January, April, July, and October of each year. The rate remains the same for the entire quarter regardless of any changes to the index during the quarter. All rates subject to change without notice. |
| Home Equity Fixed Loan ‡ |
| Term | CLTV** | Interest Rate | APR |
|
| Owner Occupied |
| 5/5 Year Term, Fixed Rate |
80% |
5.250% |
5.396% |
| 10/10 Year Term, Fixed Rate |
80% |
5.500% |
5.580% |
| 15/10 Year Term, Fixed Rate |
80% |
5.625% |
5.688% |
| 15/15 Year Term, Fixed Rate |
80% |
5.750% |
5.808% |
| 30/15 Year Term, Fixed Rate |
80% |
5.375% |
5.414% |
| Non-Owner Occupied |
| 12 Year Term, Fixed Rate |
80% |
7.500% |
7.587% |
| *APR=Annual Percentage Rate. APR based on loan amounts of $50,000. All rates subject to change without notice. All loan rates based on approved credit. Individual rates may vary based on credit history. |
| **CLTV=Combined Loan to Value |
| Personal Home Loan ‡ |
| Term | Interest Rate | APR |
|
| Owner Occupied |
| 5 Year Term, Fixed Rate |
6.000% |
6.151% |
| 6 Year Term, Fixed Rate |
6.000% |
6.128% |
| 7 Year Term, Fixed Rate |
6.000% |
6.111% |
| *APR=Annual Percentage Rate. APR based on loan amounts of $15,500. All rates subject to change without notice. All loan rates based on approved credit. Individual rates may vary based on credit history. |
‡ Home Equity Line of Credit Adjustable Rate, Home Equity Loans and Personal Home Loans can only be a 1st or 2nd Trust Deed. The Personal Home Loan only can be a 3rd Trust Deed if the following conditions are met: 1st Trust Deed WPCCU or CMF and/or 2nd Trust Deed WPCCU.
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