Loan Rates - Citizens~Union Savings Bank

Mortgage Rates for Citizens-Union Savings Bank

These rates apply to 1-4 family principal residence and second homes.

Add 1/8% to loans exceeding $417,000 up to $550,000.

For loans over $550,000, please contact our loan department.

Rates are subject to credit approval and may change without notice.

Fixed Rate Mortgages (As of ) (Add 1/4 point for construction loans over $417,000)
Term	Points	Interest Rate	APR	Down-payment	Monthly Payments per $1,000 Borrowed	Number of Payments
30 years	2	6.125%	6.316%	20%	$6.08	360
30 years	1	6.375%	6.471%	20%	$6.24	360
30 years	0	6.500%	6.500%	20%	$6.32	360
20 years	2	6.000%	6.252%	20%	$7.16	240
20 years	1	6.125%	6.251%	20%	$7.24	240
20 years	0	6.375%	6.375%	20%	$7.38	240
15 years	2	5.500%	5.812%	20%	$8.17	180
15 years	1	5.625%	5.781%	20%	$8.24	180
15 years	0	6.000%	6.000%	20%	$8.44	180
10 years	2	5.250%	5.692%	20%	$10.73	120
10 years	1	5.500%	5.721%	20%	$10.85	120
10 years	0	5.750%	5.750%	20%	$10.98	120

Rates may increase after consummation.

1-year Adjustable-Rate Mortgages (As of )
Term	Pts	Interest Rate	APR	Cap	Down-payment	360 Monthly Payments per $1,000 Borrowed Ranging from
30 years	1	4.750%	4.952%	2/6	20%	$ 5.22 to $ 5.29

3/3 year Adjustable-Rate Mortgages (As of )
Term	Pts	Interest Rate	APR	Cap	Down-payment	360 Monthly Payments per $1,000 Borrowed Ranging from
30 years	0	5.125%	5.409%	2/6	20%	$ 5.44 to $ 5.66

5/1 year Adjustable-Rate Mortgages (As of )
Term	Pts	Interest Rate	APR	Cap	Down-payment	360 Monthly Payments per $1,000 Borrowed Ranging from
30 years	0	5.500%	5.110%	2/6	20%	$ 5.34 to $ 5.68

7/1 -year Adjustable-Rate Mortgages (As of )
Term	Pts	Interest Rate	APR	Cap	Down-payment	360 Monthly Payments per $1,000 Borrowed Ranging from
30 years	0	5.750%	5.310%	2/6	20%	$ 5.38 to $ 5.84

10/1 year Adjustable-Rate Mortgages (As of )
Term	Pts	Interest Rate	APR	Cap	Down-payment	360 Monthly Payments per $1,000 Borrowed Ranging from
30 years	0	6.250%	5.773%	2/6	20%	$ 5.50 to $ 6.16

1-year Adjustable-Rate Land Loan Mortgages (As of )
Term	Pts	Interest Rate	APR	Cap	*Down-payment	240 Monthly Payments per $1,000 Borrowed Ranging from
20 years	1	5.750%	5.985%	2/6	20%	$ 7.02 to $ 7.09

3/3 year Adjustable-Rate Land Loan Mortgages (As of )
Term	Pts	Interest Rate	APR	Cap	*Down-payment	240 Monthly Payments per $1,000 Borrowed Ranging from
20 years	0	6.125%	6.376%	2/6	20%	$ 7.24 to $ 7.43

* Maximum loan < $417,000= 20% down payment

Maximum loan > $417,000 and < $500,000= 25% down payment

Maximum loan > $500,000= 30% down payment