Mortgage & Home Equity Rates

Active as of 02.03.2023

Fixed Rate

ProductInterest RatePointsAPR*Monthly Payments
Per $100,000
15 Year Fixed Rate*4.625%04.88%$771.40**
20 Year Fixed Rate*5.125%05.33%$666.88**
30 Year Fixed Rate*5.375%05.53%$559.97**

Step Into Your First Home Mortgage

First Time Home Buyer Program

ProductInterest RatePointsAPR*Monthly Payments
Per $100,000
Year 1*4.625%05.53%$514.14**
Year 2*4.875%
05.53%$529..21**
Year 3*5.125%05.53%$544.49**
Year 4-30*5.375%05.53%$559.97**

Adjustable Rate

ProductInterest RateTermPointsMonthly Payment
per $100,000
APR**
5/1 ARM*5.375%
/
5.375%*
Months 1-60
/
Months 61-360
0$559.976.77%
7/1 ARM*5.375%
/
5.375%*
Months 1-84
/
Months 85-360
0$559.976.58%
10/1 ARM**5.75%
/
5.75%**
Months 1-120
/
Months121-360
0$583.576.55%

Active as of 02.03.2023

Fixed Rates

ProductInterest RatePointsAPR*Monthly Payments
Per $100,000
15 Year Fixed Rate*4.625%04.88%$771.40**
20 Year Fixed Rate*5.125%05.33%$666.88**
30 Year Fixed Rate*5.375%05.53%$559.97**

Adjustable Rates

ProductInterest RateTermPointsMonthly Payment
per $100,000
APR**
5/1 ARM*5.375%
/
5.375%*
Months 1-60
/
Months 61-360
0$559.976.77%
7/1 ARM*5.375%
/
5.375%*
Months 1-84
/
Months 85-360
0$559.976.58%
10/1 ARM**5.75%
/
5.75%**
Months 1-120
/
Months121-360
0$583.576.55%

PRODUCTINTEREST RATE TERM POINTSMONTHLY PAYMENT
PER $100,000
APR**
5 TO 1 ARM 2.875%/2.875%Months 1-60/Months 61-3600$414.892.97%
7 TO 1 ARM 2.875%/2.875%Months 1-84/Months 85-3600$414.892.97%
10 TO 1 ARM 3.25%/3.25%Months 1-120/Months 121-3600$435.213.35%

Home Equity Line of Credit

Active as of 02.03.2023

Home Equity Line of Credit

ProductInterest RatePointsAPR*
Home Equity Line of Credit7.50%07.50%

Centennial Home Equity Line of Credit Special

ProductInterest RatePointsAPR*
Centennial Home Equity Line of Credit Special7.50%07.50

Fixed Rate Home Equity Loans

Active as of 02.03.2023

Home Equity Loan

Fixed Rate, First Position

ProductInterest RatePointsAPR*Monthly Payment Per
$1,000 Borrowed
*10 Years5.00%05.00%$10.61
**10 Years5.25%05.25%$10.73

Home Equity Loan

Fixed Rate, Second Position

ProductInterest RatePointsAPR*Monthly Payment Per
$1,000 Borrowed
Up to 8 Years5.375%05.375%$12.84
10 years5.375%05.375%$10.55
15 Years5.75%05.75%$8.10
20 Years6.375%06.375%$7.38

Active as of 02.03.2023

ProductInterest Rate TERMPOINTSMONTHLY PAYMENT PER $100,000APR**
Construction to Permanent Fixed Rate5.625%0.50$468.755.17%
Land Loan Rates quoted individually - Call for rate