Adjustable Rate Mortgages
The rates shown are based on a $250,000 loan up to the maximum term length for a single family home. Payments represent principal and interest only; taxes and insurance are not included. Therefore, the actual payment obligation will be greater.
Loan type | Loan-to-value | Rates (APR1,2,3) as low as | Monthly payment |
---|---|---|---|
5-Year ARM† | Loan-to-value80% or less | Rates (APR1,2,3) as low as5.500% (5.745% APR) | Monthly payment$1,419.46 (years 1-5) $1,454.19 (years 6-30) |
5-Year ARM† | Loan-to-value80.01 - 90% | Rates (APR1,2,3) as low as5.825% (6.176% APR) | Monthly payment$1,470.85 (years 1-5) $1,531.27 (years 6-30) |
5-Year ARM† | Loan-to-value90.01 - 100% | Rates (APR1,2,3) as low as6.150% (6.605% APR) | Monthly payment$1,523.07 (years 1-5) $1,610.26 (years 6-30) |
First-Time Homebuyer's (5-Year ARM†) | Loan-to-value100%4 | Rates (APR1,2,3) as low as6.150% (6.605% APR) | Monthly payment$1,523.07 (years 1-5) $1,610.26 (years 6-30) |
†Maximum term of 30 years
Fixed Rate Mortgages
These rates are based on a $250,000 loan up to the maximum term length for a single family home. Payments represent principal and interest only; taxes and insurance are not included. Therefore, the actual payment obligation will be greater.
Loan type | Loan-to-value | Rates (APR1,2) as low as | Monthly payment |
---|---|---|---|
10-Year Fixed Rate | Loan-to-value90% or less | Rates (APR1,2) as low as5.300% (5.518% APR) | Monthly payment$2,688.45 |
10-Year Fixed Rate | Loan-to-value90.01 - 95% | Rates (APR1,2) as low as5.500% (5.719% APR) | Monthly payment$2,713.14 |
15-Year Fixed Rate | Loan-to-value90% or less | Rates (APR1,2) as low as5.500% (5.654% APR) | Monthly payment$2,042.70 |
15-Year Fixed Rate | Loan-to-value90.01 - 95% | Rates (APR1,2) as low as5.800% (5.955% APR) | Monthly payment$2,082.72 |
20-Year Fixed Rate | Loan-to-value90% or less | Rates (APR1,2) as low as6.200% (6.325% APR) | Monthly payment$1,820.03 |
20-Year Fixed Rate | Loan-to-value90.01 - 95% | Rates (APR1,2) as low as6.750% (6.878% APR) | Monthly payment$1,900.91 |
30-Year Fixed Rate | Loan-to-value90% or less | Rates (APR1,2) as low as6.500% (6.596% APR) | Monthly payment$1,580.15 |
Lines of Credit
HELOC
Loan type | APR1,5 as low as |
---|---|
Home Equity Line of Credit | APR1,5 as low as6.75%6* |
*New lines of credit available for initial APR of 6.75% until the first quarterly rate change based on current index rate and margin. Future rates and payments determined by adding a margin of 2.25% to the index.
Open-End Signature Loan
Loan type | APR1 range |
---|---|
Open-End Signature | APR1 range12.25% - 15.25%5,6 |
Salary Advance Loans
Loan type | APR1,5 as low as |
---|---|
Salary Advance (cash account > $500) | APR1,5 as low as9.75%6 |
Salary Advance (cash account < $500) | APR1,5 as low as16.25%6 |
Personal Loans
Loan type | Term | APR1,5 as low as | Monthly payment |
---|---|---|---|
Closed-End Fixed Rate | Term24 months | APR1,5 as low as9.25% - 12.25% | Monthly paymentSee example |
Closed-End Fixed Rate | Term48 months | APR1,5 as low as9.50% - 12.50% | Monthly paymentSee example |
Closed-End Fixed Rate | Term60 months | APR1,5 as low as9.75% - 12.75% | Monthly paymentSee example |
Closed-End Fixed Rate | Term72 months | APR1,5 as low as9.75% - 12.75% | Monthly paymentSee example |
Loan type | Term | APR1,5 as low as | Monthly payment |
---|---|---|---|
Share-Secured | Term24 months | APR1,5 as low as3.10% | Monthly paymentSee example |
Share-Secured | Term48 months | APR1,5 as low as3.50% | Monthly paymentSee example |
Share-Secured | Term120 months | APR1,5 as low as6.75%6 | Monthly paymentSee example |
Signature Term Note | Term6 months | APR1,5 as low as11.75% | Monthly paymentSee example |
Share-Secured Term Note | Term6 months | APR1,5 as low as6.50% | Monthly paymentSee example |
STC-Secured Term Note | TermRemaining term of STC | APR1,5 as low asSTC rate + 2%8 | Monthly paymentSee example |