Mortgage & Home Equity Rates

Active as of 09.25.2022

Fixed Rate

ProductInterest RatePointsAPR*Monthly Payments
Per $100,000
15 Year Fixed Rate*6.00%06.28%$843.86**
20 Year Fixed Rate*6.50%06.73%$745.57**
30 Year Fixed Rate*6.50%06.68%$632.07**

Step Into Your First Home Mortgage

First Time Home Buyer Program

ProductInterest RatePointsAPR*Monthly Payments
Per $100,000
Year 1*5.75%06.68%$583.57
Year 2*6.00%06.68%$599.55
Year 3*6.25%06.68%$615.72
Year 4-30*6.50%06.68%$632.07

Adjustable Rate

ProductInterest RateTermPointsMonthly Payment
per $100,000
APR**
5/1 ARM*4.50%
/
4.50%*
Months 1-60
/
Months 61-360
0$506.695.80%
7/1 ARM*4.75%
/
4.75%*
Months 1-84
/
Months 85-360
0$521.655.71%
10/1 ARM**5.25%
/
5.25%**
Months 1-120
/
Months121-360
0$552.205.80%

Active as of 09.25.2022

Fixed Rates

ProductInterest RatePointsAPR*Monthly Payments
Per $100,000
15 Year Fixed Rate*6.00%06.28%$843.86**
20 Year Fixed Rate*6.50%06.73%$745.57**
30 Year Fixed Rate*6.50%06.68%$632.07**

Adjustable Rates

ProductInterest RateTermPointsMonthly Payment
per $100,000
APR**
5/1 ARM*4.50%
/
4.50%*
Months 1-60
/
Months 61-360
0$506.695.80%
7/1 ARM*4.75%
/
4.75%*
Months 1-84
/
Months 85-360
0$521.655.71%
10/1 ARM**5.25%
/
5.25%**
Months 1-120
/
Months121-360
0$552.205.80%

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 09.25.2022

Home Equity Line of Credit

ProductInterest RatePointsAPR*
Home Equity Line of Credit6.25%06.25%

Centennial Home Equity Line of Credit Special

ProductInterest RatePointsAPR*
Centennial Home Equity Line of Credit Special5.25%05.25

Fixed Rate Home Equity Loans

Active as of 09.25.2022

Home Equity Loan

Fixed Rate, First Position

ProductInterest RatePointsAPR*Monthly Payment Per
$1,000 Borrowed
*10 Years4.50%04.50%$10.36
**10 Years4.50%04.50%$10.36

Home Equity Loan

Fixed Rate, Second Position

ProductInterest RatePointsAPR*Monthly Payment Per
$1,000 Borrowed
Up to 8 Years4.50%04.50%$12.42
10 years4.875%04.875%$10.55
15 Years5.25%05.25%$8.04
20 Years6.00%06.00%$7.16

Active as of 09.25.2022

ProductInterest Rate TERMPOINTSMONTHLY PAYMENT PER $100,000APR**
Construction to Permanent Fixed Rate6.750%0.50$648.606.89%
Land Loan Rates quoted individually - Call for rate