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Mortgage Rates for Citizens-Union Savings Bank
These rates apply to 1-4 family principal residence and second homes.
For loans over $417,000, 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 |
5.000% |
5.178% |
20% |
$5.37 |
360 |
| 30 years |
1 |
5.250% |
5.340% |
20% |
$5.52 |
360 |
| 30 years |
0 |
5.500% |
5.500% |
20% |
$5.68 |
360 |
| 20 years |
2 |
4.875% |
5.116% |
20% |
$6.53 |
240 |
| 20 years |
1 |
5.125% |
5.246% |
20% |
$6.67 |
240 |
| 20 years |
0 |
5.375% |
5.375% |
20% |
$6.81 |
240 |
| 15 years |
2 |
4.500% |
4.804% |
20% |
$7.65 |
180 |
| 15 years |
1 |
4.625% |
4.776% |
20% |
$7.71 |
180 |
| 15 years |
0 |
4.875% |
4.875% |
20% |
$7.84 |
180 |
| 10 years |
2 |
4.375% |
4.810% |
20% |
$10.30 |
120 |
| 10 years |
1 |
4.500% |
4.716% |
20% |
$10.36 |
120 |
| 10 years |
0 |
4.625% |
4.625% |
20% |
$10.42 |
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 |
4.250% |
3.408% |
2/6 |
20% |
$ 4.37 to $ 4.92 |
| 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 |
4.875% |
4.588% |
2/6 |
20% |
$ 5.08 to $ 5.29 |
| 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 |
5.125% |
3.924% |
2/6 |
20% |
$ 4.48 to $ 5.44 |
| 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 |
5.250% |
4.211% |
2/6 |
20% |
$ 4.55 to $ 5.52 |
| 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 |
5.375% |
4.598% |
2/6 |
20% |
$ 4.67 to $ 5.60 |
| 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 |
5.250% |
4.480% |
2/6 |
20% |
$ 6.21 to $ 6.74 |
| 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 |
5.875% |
5.621% |
2/6 |
20% |
$ 6.90 to $ 7.09 |
* Maximum loan < $417,000= 20% down payment
Maximum loan > $417,000 and < $500,000= 25% down payment
Maximum loan > $500,000= 30% down payment
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Any evidence of criminal activity will be provided to law enforcement officials. |
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