NEW OWNER OCCUPIED SINGLE FAMILY DWELLING:

30 Yr. Fixed:         6.500%  6.745% APR

20 Yr. Fixed:         6.250%  6.570% APR

15 Yr. Fixed:         6.000%  6.398% APR

RESIDENTIAL REAL ESTATE:

1 Year ARM:          4.750%  4.971% APR

3 Year ARM:         6.000%  6.238% APR

5 Year ARM:         6.500%  6.745% APR 

(Based on US Treasury Index)

The Interest rates on these loans may increase during the life of the loan.

HOME EQUITY:

15 Yr. Fixed:         6.500%  6.741% APR

HOME EQUITY (ARM):

1 Year ARM:          5.750%  5.985% APR

3 Year ARM:         6.125%  6.363% APR

5 Year ARM:         6.250%  6.489% APR 

(Based on US Treasury Index)

The Interest rates on these loans may increase during the life of the loan.

Actual rates may differ.

Thursday, October 21, 2009