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Rate & Fee Disclosure

Truth In Savings Disclosure (PDF)

Second Mortgage

Last updated: 12/15/2022
Second Mortgage Loan Amount Term1 Rate APR1
Interest Only Home Equity LOC $10,000 - $250,000 120 month term loan. Monthly payment will be all accrued yet unpaid finance charges due. as low as 7.50% 7.840%
Closed End Second Mortgage 60 $10,000 - $200,000 60 months as low as 8.50% 9.136%
Closed End Second Mortgage 120 $20,000 - $200,000 120 months as low as 8.50% 8.674%
Closed End Second Mortgage 180 $50,000 - $200,000 180 months as low as 8.75% 8.801%
Fixed Home Equity LOC $10,000 - $200,000 5 year draw period, Interest only payment. 10 year repayment at conclusion of draw period as low as 8.75% 9.003%

1APR=APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications. Rate for Interest Only Home Equity LOC is based on prime (index), as published in the Wall Street Journal, plus a margin. Index plus margin equals the Interest Rate. Current prime is 7.50%. Interest rate will never be less than 3% nor greater than 18%.

All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states. Other restrictions and limitations apply. Our Home Equity loan products may not be used to purchase the property being used as collateral. With home equity loans, depending on how the loan proceeds are used, you may be able to deduct the interest you pay. The interest you pay on credit cards and other types of personal loans is generally not tax-deductible. Consult your tax advisor about the deductibility of interest.

Rate for Interest Only Home Equity LOC is based on prime (index), as published in the Wall Street Journal on the last day of the month, plus a margin. Index plus margin equals the Interest Rate. Current prime is 7.50%. Interest rate will never be less than 3% nor greater than 18%.

Closed End Second Mortgage Loans: Available loan terms vary based on loan amount.

Payment Examples:
• Closed End Real Estate – 120 months @ 8.00% your payment will roughly be $12.13 monthly per $1,000 borrowed.

The APR has been calculated using the minimum loan amount and the maximum term listed. Your APR will vary depending on the loan amount, interest rate & loan term.

Second Mortgage

Last updated: 12/15/2022
Second Mortgage Loan Amount Term1 Rate APR1
Interest Only Home Equity LOC $10,000 - $250,000 120 month term loan. Monthly payment will be all accrued yet unpaid finance charges due. as low as 7.50% 7.840%
Closed End Second Mortgage 60 $10,000 - $200,000 60 months as low as 8.50% 9.136%
Closed End Second Mortgage 120 $20,000 - $200,000 120 months as low as 8.50% 8.674%
Closed End Second Mortgage 180 $50,000 - $200,000 180 months as low as 8.75% 8.801%
Fixed Home Equity LOC $10,000 - $200,000 5 year draw period, Interest only payment. 10 year repayment at conclusion of draw period as low as 8.75% 9.003%

1APR=APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications. Rate for Interest Only Home Equity LOC is based on prime (index), as published in the Wall Street Journal, plus a margin. Index plus margin equals the Interest Rate. Current prime is 7.50%. Interest rate will never be less than 3% nor greater than 18%.

All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states. Other restrictions and limitations apply. Our Home Equity loan products may not be used to purchase the property being used as collateral. With home equity loans, depending on how the loan proceeds are used, you may be able to deduct the interest you pay. The interest you pay on credit cards and other types of personal loans is generally not tax-deductible. Consult your tax advisor about the deductibility of interest.

Rate for Interest Only Home Equity LOC is based on prime (index), as published in the Wall Street Journal on the last day of the month, plus a margin. Index plus margin equals the Interest Rate. Current prime is 7.50%. Interest rate will never be less than 3% nor greater than 18%.

Closed End Second Mortgage Loans: Available loan terms vary based on loan amount.

Payment Examples:
• Closed End Real Estate – 120 months @ 8.00% your payment will roughly be $12.13 monthly per $1,000 borrowed.

The APR has been calculated using the minimum loan amount and the maximum term listed. Your APR will vary depending on the loan amount, interest rate & loan term.

Second Mortgage

Last updated: 12/15/2022
Second Mortgage Loan Amount Term1 Rate APR1
Interest Only Home Equity LOC $10,000 - $250,000 120 month term loan. Monthly payment will be all accrued yet unpaid finance charges due. as low as 7.50% 7.840%
Closed End Second Mortgage 60 $10,000 - $200,000 60 months as low as 8.50% 9.136%
Closed End Second Mortgage 120 $20,000 - $200,000 120 months as low as 8.50% 8.674%
Closed End Second Mortgage 180 $50,000 - $200,000 180 months as low as 8.75% 8.801%
Fixed Home Equity LOC $10,000 - $200,000 5 year draw period, Interest only payment. 10 year repayment at conclusion of draw period as low as 8.75% 9.003%

1APR=APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications. Rate for Interest Only Home Equity LOC is based on prime (index), as published in the Wall Street Journal, plus a margin. Index plus margin equals the Interest Rate. Current prime is 7.50%. Interest rate will never be less than 3% nor greater than 18%.

All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states. Other restrictions and limitations apply. Our Home Equity loan products may not be used to purchase the property being used as collateral. With home equity loans, depending on how the loan proceeds are used, you may be able to deduct the interest you pay. The interest you pay on credit cards and other types of personal loans is generally not tax-deductible. Consult your tax advisor about the deductibility of interest.

Rate for Interest Only Home Equity LOC is based on prime (index), as published in the Wall Street Journal on the last day of the month, plus a margin. Index plus margin equals the Interest Rate. Current prime is 7.50%. Interest rate will never be less than 3% nor greater than 18%.

Closed End Second Mortgage Loans: Available loan terms vary based on loan amount.

Payment Examples:
• Closed End Real Estate – 120 months @ 8.00% your payment will roughly be $12.13 monthly per $1,000 borrowed.

The APR has been calculated using the minimum loan amount and the maximum term listed. Your APR will vary depending on the loan amount, interest rate & loan term.

Second Mortgage

Last updated: 12/15/2022
Second Mortgage Loan Amount Term1 Rate APR1
Interest Only Home Equity LOC $10,000 - $250,000 120 month term loan. Monthly payment will be all accrued yet unpaid finance charges due. as low as 7.50% 7.840%
Closed End Second Mortgage 60 $10,000 - $200,000 60 months as low as 8.50% 9.136%
Closed End Second Mortgage 120 $20,000 - $200,000 120 months as low as 8.50% 8.674%
Closed End Second Mortgage 180 $50,000 - $200,000 180 months as low as 8.75% 8.801%
Fixed Home Equity LOC $10,000 - $200,000 5 year draw period, Interest only payment. 10 year repayment at conclusion of draw period as low as 8.75% 9.003%

1APR=APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications. Rate for Interest Only Home Equity LOC is based on prime (index), as published in the Wall Street Journal, plus a margin. Index plus margin equals the Interest Rate. Current prime is 7.50%. Interest rate will never be less than 3% nor greater than 18%.

All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states. Other restrictions and limitations apply. Our Home Equity loan products may not be used to purchase the property being used as collateral. With home equity loans, depending on how the loan proceeds are used, you may be able to deduct the interest you pay. The interest you pay on credit cards and other types of personal loans is generally not tax-deductible. Consult your tax advisor about the deductibility of interest.

Rate for Interest Only Home Equity LOC is based on prime (index), as published in the Wall Street Journal on the last day of the month, plus a margin. Index plus margin equals the Interest Rate. Current prime is 7.50%. Interest rate will never be less than 3% nor greater than 18%.

Closed End Second Mortgage Loans: Available loan terms vary based on loan amount.

Payment Examples:
• Closed End Real Estate – 120 months @ 8.00% your payment will roughly be $12.13 monthly per $1,000 borrowed.

The APR has been calculated using the minimum loan amount and the maximum term listed. Your APR will vary depending on the loan amount, interest rate & loan term.

Second Mortgage

Last updated: 12/15/2022
Second Mortgage Loan Amount Term1 Rate APR1
Interest Only Home Equity LOC $10,000 - $250,000 120 month term loan. Monthly payment will be all accrued yet unpaid finance charges due. as low as 7.50% 7.840%
Closed End Second Mortgage 60 $10,000 - $200,000 60 months as low as 8.50% 9.136%
Closed End Second Mortgage 120 $20,000 - $200,000 120 months as low as 8.50% 8.674%
Closed End Second Mortgage 180 $50,000 - $200,000 180 months as low as 8.75% 8.801%
Fixed Home Equity LOC $10,000 - $200,000 5 year draw period, Interest only payment. 10 year repayment at conclusion of draw period as low as 8.75% 9.003%

1APR=APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications. Rate for Interest Only Home Equity LOC is based on prime (index), as published in the Wall Street Journal, plus a margin. Index plus margin equals the Interest Rate. Current prime is 7.50%. Interest rate will never be less than 3% nor greater than 18%.

All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states. Other restrictions and limitations apply. Our Home Equity loan products may not be used to purchase the property being used as collateral. With home equity loans, depending on how the loan proceeds are used, you may be able to deduct the interest you pay. The interest you pay on credit cards and other types of personal loans is generally not tax-deductible. Consult your tax advisor about the deductibility of interest.

Rate for Interest Only Home Equity LOC is based on prime (index), as published in the Wall Street Journal on the last day of the month, plus a margin. Index plus margin equals the Interest Rate. Current prime is 7.50%. Interest rate will never be less than 3% nor greater than 18%.

Closed End Second Mortgage Loans: Available loan terms vary based on loan amount.

Payment Examples:
• Closed End Real Estate – 120 months @ 8.00% your payment will roughly be $12.13 monthly per $1,000 borrowed.

The APR has been calculated using the minimum loan amount and the maximum term listed. Your APR will vary depending on the loan amount, interest rate & loan term.

Second Mortgage

Last updated: 12/15/2022
Second Mortgage Loan Amount Term1 Rate APR1
Interest Only Home Equity LOC $10,000 - $250,000 120 month term loan. Monthly payment will be all accrued yet unpaid finance charges due. as low as 7.50% 7.840%
Closed End Second Mortgage 60 $10,000 - $200,000 60 months as low as 8.50% 9.136%
Closed End Second Mortgage 120 $20,000 - $200,000 120 months as low as 8.50% 8.674%
Closed End Second Mortgage 180 $50,000 - $200,000 180 months as low as 8.75% 8.801%
Fixed Home Equity LOC $10,000 - $200,000 5 year draw period, Interest only payment. 10 year repayment at conclusion of draw period as low as 8.75% 9.003%

1APR=APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications. Rate for Interest Only Home Equity LOC is based on prime (index), as published in the Wall Street Journal, plus a margin. Index plus margin equals the Interest Rate. Current prime is 7.50%. Interest rate will never be less than 3% nor greater than 18%.

All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states. Other restrictions and limitations apply. Our Home Equity loan products may not be used to purchase the property being used as collateral. With home equity loans, depending on how the loan proceeds are used, you may be able to deduct the interest you pay. The interest you pay on credit cards and other types of personal loans is generally not tax-deductible. Consult your tax advisor about the deductibility of interest.

Rate for Interest Only Home Equity LOC is based on prime (index), as published in the Wall Street Journal on the last day of the month, plus a margin. Index plus margin equals the Interest Rate. Current prime is 7.50%. Interest rate will never be less than 3% nor greater than 18%.

Closed End Second Mortgage Loans: Available loan terms vary based on loan amount.

Payment Examples:
• Closed End Real Estate – 120 months @ 8.00% your payment will roughly be $12.13 monthly per $1,000 borrowed.

The APR has been calculated using the minimum loan amount and the maximum term listed. Your APR will vary depending on the loan amount, interest rate & loan term.

Second Mortgage

Last updated: 12/15/2022
Second Mortgage Loan Amount Term1 Rate APR1
Interest Only Home Equity LOC $10,000 - $250,000 120 month term loan. Monthly payment will be all accrued yet unpaid finance charges due. as low as 7.50% 7.840%
Closed End Second Mortgage 60 $10,000 - $200,000 60 months as low as 8.50% 9.136%
Closed End Second Mortgage 120 $20,000 - $200,000 120 months as low as 8.50% 8.674%
Closed End Second Mortgage 180 $50,000 - $200,000 180 months as low as 8.75% 8.801%
Fixed Home Equity LOC $10,000 - $200,000 5 year draw period, Interest only payment. 10 year repayment at conclusion of draw period as low as 8.75% 9.003%

1APR=APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications. Rate for Interest Only Home Equity LOC is based on prime (index), as published in the Wall Street Journal, plus a margin. Index plus margin equals the Interest Rate. Current prime is 7.50%. Interest rate will never be less than 3% nor greater than 18%.

All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states. Other restrictions and limitations apply. Our Home Equity loan products may not be used to purchase the property being used as collateral. With home equity loans, depending on how the loan proceeds are used, you may be able to deduct the interest you pay. The interest you pay on credit cards and other types of personal loans is generally not tax-deductible. Consult your tax advisor about the deductibility of interest.

Rate for Interest Only Home Equity LOC is based on prime (index), as published in the Wall Street Journal on the last day of the month, plus a margin. Index plus margin equals the Interest Rate. Current prime is 7.50%. Interest rate will never be less than 3% nor greater than 18%.

Closed End Second Mortgage Loans: Available loan terms vary based on loan amount.

Payment Examples:
• Closed End Real Estate – 120 months @ 8.00% your payment will roughly be $12.13 monthly per $1,000 borrowed.

The APR has been calculated using the minimum loan amount and the maximum term listed. Your APR will vary depending on the loan amount, interest rate & loan term.

Second Mortgage

Last updated: 12/15/2022
Second Mortgage Loan Amount Term1 Rate APR1
Interest Only Home Equity LOC $10,000 - $250,000 120 month term loan. Monthly payment will be all accrued yet unpaid finance charges due. as low as 7.50% 7.840%
Closed End Second Mortgage 60 $10,000 - $200,000 60 months as low as 8.50% 9.136%
Closed End Second Mortgage 120 $20,000 - $200,000 120 months as low as 8.50% 8.674%
Closed End Second Mortgage 180 $50,000 - $200,000 180 months as low as 8.75% 8.801%
Fixed Home Equity LOC $10,000 - $200,000 5 year draw period, Interest only payment. 10 year repayment at conclusion of draw period as low as 8.75% 9.003%

1APR=APR=Annual Percentage Rate. All rates advertised are based upon borrowers qualifications. Rate for Interest Only Home Equity LOC is based on prime (index), as published in the Wall Street Journal, plus a margin. Index plus margin equals the Interest Rate. Current prime is 7.50%. Interest rate will never be less than 3% nor greater than 18%.

All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states. Other restrictions and limitations apply. Our Home Equity loan products may not be used to purchase the property being used as collateral. With home equity loans, depending on how the loan proceeds are used, you may be able to deduct the interest you pay. The interest you pay on credit cards and other types of personal loans is generally not tax-deductible. Consult your tax advisor about the deductibility of interest.

Rate for Interest Only Home Equity LOC is based on prime (index), as published in the Wall Street Journal on the last day of the month, plus a margin. Index plus margin equals the Interest Rate. Current prime is 7.50%. Interest rate will never be less than 3% nor greater than 18%.

Closed End Second Mortgage Loans: Available loan terms vary based on loan amount.

Payment Examples:
• Closed End Real Estate – 120 months @ 8.00% your payment will roughly be $12.13 monthly per $1,000 borrowed.

The APR has been calculated using the minimum loan amount and the maximum term listed. Your APR will vary depending on the loan amount, interest rate & loan term.

* 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.

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