Rate & Fee Disclosure
Truth In Savings Disclosure (PDF)
Mortgage Rates
| Program Name | Rate (as low as)1 | APR2 | Points |
|---|---|---|---|
| 30 Year Fixed (Conforming) | 6.625% | 6.754% | 0.000% |
| 20 Year Fixed (Conforming) | 6.625% | 6.794% | 0.000% |
| 15 Year Fixed (Conforming) | 6.500% | 6.711% |
0.000% |
| 10 Year Fixed (Conforming) | 6.375% | 6.671% | 0.000% |
1Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $150,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above.
2Annual Percentage Rate (APR) is calculated based on a loan amount of $150,000.00.
Mortgage Rates
| Program Name | Rate (as low as)1 | APR2 | Points |
|---|---|---|---|
| 30 Year Fixed (Conforming) | 6.625% | 6.754% | 0.000% |
| 20 Year Fixed (Conforming) | 6.625% | 6.794% | 0.000% |
| 15 Year Fixed (Conforming) | 6.500% | 6.711% |
0.000% |
| 10 Year Fixed (Conforming) | 6.375% | 6.671% | 0.000% |
1Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $150,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above.
2Annual Percentage Rate (APR) is calculated based on a loan amount of $150,000.00.
Mortgage Rates
| Program Name | Rate (as low as)1 | APR2 | Points |
|---|---|---|---|
| 30 Year Fixed (Conforming) | 6.625% | 6.754% | 0.000% |
| 20 Year Fixed (Conforming) | 6.625% | 6.794% | 0.000% |
| 15 Year Fixed (Conforming) | 6.500% | 6.711% |
0.000% |
| 10 Year Fixed (Conforming) | 6.375% | 6.671% | 0.000% |
1Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $150,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above.
2Annual Percentage Rate (APR) is calculated based on a loan amount of $150,000.00.
Mortgage Rates
| Program Name | Rate (as low as)1 | APR2 | Points |
|---|---|---|---|
| 30 Year Fixed (Conforming) | 6.625% | 6.754% | 0.000% |
| 20 Year Fixed (Conforming) | 6.625% | 6.794% | 0.000% |
| 15 Year Fixed (Conforming) | 6.500% | 6.711% |
0.000% |
| 10 Year Fixed (Conforming) | 6.375% | 6.671% | 0.000% |
1Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $150,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above.
2Annual Percentage Rate (APR) is calculated based on a loan amount of $150,000.00.
Mortgage Rates
| Program Name | Rate (as low as)1 | APR2 | Points |
|---|---|---|---|
| 30 Year Fixed (Conforming) | 6.625% | 6.754% | 0.000% |
| 20 Year Fixed (Conforming) | 6.625% | 6.794% | 0.000% |
| 15 Year Fixed (Conforming) | 6.500% | 6.711% |
0.000% |
| 10 Year Fixed (Conforming) | 6.375% | 6.671% | 0.000% |
1Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $150,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above.
2Annual Percentage Rate (APR) is calculated based on a loan amount of $150,000.00.
Mortgage Rates
| Program Name | Rate (as low as)1 | APR2 | Points |
|---|---|---|---|
| 30 Year Fixed (Conforming) | 6.625% | 6.754% | 0.000% |
| 20 Year Fixed (Conforming) | 6.625% | 6.794% | 0.000% |
| 15 Year Fixed (Conforming) | 6.500% | 6.711% |
0.000% |
| 10 Year Fixed (Conforming) | 6.375% | 6.671% | 0.000% |
1Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $150,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above.
2Annual Percentage Rate (APR) is calculated based on a loan amount of $150,000.00.
Mortgage Rates
| Program Name | Rate (as low as)1 | APR2 | Points |
|---|---|---|---|
| 30 Year Fixed (Conforming) | 6.625% | 6.754% | 0.000% |
| 20 Year Fixed (Conforming) | 6.625% | 6.794% | 0.000% |
| 15 Year Fixed (Conforming) | 6.500% | 6.711% |
0.000% |
| 10 Year Fixed (Conforming) | 6.375% | 6.671% | 0.000% |
1Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $150,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above.
2Annual Percentage Rate (APR) is calculated based on a loan amount of $150,000.00.
Mortgage Rates
| Program Name | Rate (as low as)1 | APR2 | Points |
|---|---|---|---|
| 30 Year Fixed (Conforming) | 6.625% | 6.754% | 0.000% |
| 20 Year Fixed (Conforming) | 6.625% | 6.794% | 0.000% |
| 15 Year Fixed (Conforming) | 6.500% | 6.711% |
0.000% |
| 10 Year Fixed (Conforming) | 6.375% | 6.671% | 0.000% |
1Rates are subject to change without notice and are based upon borrower qualifications and credit review. Rate posted assumes the purpose of the loan is to purchase a primary residence, loan amount of $150,000, Loan to Value of 60% or less, Debt to Income ratio of less than 40%, credit score of 780 or above.
2Annual Percentage Rate (APR) is calculated based on a loan amount of $150,000.00.
* Individuals under age 18 are exempt from these fees.
** Fee applies when overdraft is created by check, in-person withdrawal, or other electronic means.
***Fee applies when overdraft is created during an ATM or one-time debit transaction. Affirmative consent (opt-in) is required.
**** A Non 3Rivers transaction is considered an inquiry, transfer, deposit or withdrawal on any non-3Rivers owned ATM. This fee does not apply to transactions on Rhythm (Epic) or Livin' Free Checking Accounts.
***** A Point-of-Sale (POS) transaction can mean a retail shop, a checkout counter in a shop, or the location where a transaction occurs. More specifically, the point-of-sale often refers to the hardware and software used for checkouts – the equivalent of an electronic cash register.
****** No activity on account for 12 months. An account with $1,000+ in assets or holder is under the age of 18 is exempt from this fee.