Variable Rate Loan Rates

We offer a variety of loans to help you meet many of your individual financing needs. From a Personal Line of Credit to a Second Chance Auto Loan, we can help you find the right variable rate loan to put some extra money in your wallet. Apply now and we'll give you an answer in just a few minutes.



  • All rates are expressed as ANNUAL PERCENTAGE RATES.
  • Rates are subject to change without notice.

Loan rates as low as those listed below are effective

Thursday, May 23, 2013



Home Equity Line of Credit (HELOC)

Annual Percentage RateDaily Periodic Rate
 3.99 .01093
Estimate Payment
The Home Equity Line of Credit (HELOC) permits borrowing up to 100% of the available equity in a primary residence (excludes rental properties). The variable rate is adjusted monthly. The rate is the highest Prime Rate published in The Wall Street Journal as of the last business day of the previous month plus a margin. The floor rate is 3.99%. Your rate may vary from what is listed and will be determined by your individual credit profile and Loan To Value. APR listed is based on 80% Loan to Value and "A" Credit.


Interest Only Home Equity Line of Credit (HELOC)

Annual Percentage RateDaily Periodic Rate
 4.25 .01164
Estimate Payment
The Interest Only Home Equity Line of Credit (HELOC) permits borrowing up to 80% of the available equity in a primary residence (excludes rental properties). The variable rate is adjusted monthly. The rate is the highest Prime Rate published in the Wall Street Journal as of the last business day of the previous month plus 1%. The floor rate is 4.25%. Your rate may vary from what is listed and will be determined by your individual credit profile and Loan To Value. APR listed is based on 80% Loan to Value and "A" Credit.


Shares/Certificate Pledged

Product Description
 The Shares Pledged rate is adjusted monthly and computed by adding 2.5% to the regular savings account dividend rate. The Certificate Pledged rate is computed by adding 2.5% to the pledged Certificate dividend rate and the term may not exceed the Certificate maturity date.
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Home Equity Line of Credit

APR*

Home Equity Loan Rates as low as

APR*

VISA Credit Card

APR*

*APR=Annual Percentage Rate   **APY=Annual Percentage Yield