Advertised Introductory 2.75% Annual Percentage Rate (APR) is the lowest available and is fixed for the first 12 months.  After initial 12 monthly billing cycles, rate becomes variable based on the Wall Street Journal Prime Rate (Prime) + a margin (determined by individual creditworthiness and loan-to-value ratio), with a floor of 4.00% (4.75% APR as of 12/6/2019).  Account subject to individual approval. 1-4 family, owner-occupied, primary residence properties only. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. APR will not exceed 21% or fall below 4.00%. No annual fee for first year, then $50 per year.  Equal Housing Lender.

3.875% Annual Percentage Rate (APR) available for qualifying properties with a loan-to-value (LTV) of 80% or less, and a repayment period of 60 months. A minimum credit score of 675 is required for all borrowers. Advertised APR is lowest available (as of 12/6/2019). Other rates and terms available. Interest rate will be determined by individual creditworthiness and loan-to-value ratio. Account subject to individual approval. 1-4 family owner-occupied primary residence properties only. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. Repayment example: $18.37 per $1,000 borrowed, based on 3.875% APR, 60 monthly payments. Equal Housing Lender.