Home Equity Loan

Loan Amounts

Term

APR

Sample Monthly Payment

$10,000 - $24,999

5 years

5.50%**

$204.27 using a loan
amount of $25,000 @
5.50% for a 15 year term

 

10 Years

5.625%**

15 Years

5.75%**

20 Years

6.00%**

$25,000 - $49,999

5 years

5.25%**

10 Years

5.375%**

15 Years

5.50%**

20 Years

5.75%**

$50,000 - $150,000

5 years

5.00%**

10 Years

5.125%**

15 Years

5.25%**

20 Years

5.50%**

**Save time and money, sign up for Auto-Pay from your FSB checking account and we'll reduce your fixed interest rate by .25%! Ask your FSB branch representative for details.

Home Equity Line of Credit
(Variable Rate) ***

Line of Credit Loan Amount

Current Index Value Plus Margin

Terms

0.99% for the first 4 months - Thereafter*

10 year draw period plus
15 year repayment

$50,000 +

3.25% (Prime + .00%)

$25,000 - $49,999

3.75% (Prime +.50%)

$10,000 - $24,999

4.25% (Prime + 1.00%)

* Annual Percentage Rate (APR) is 0.99% for the first four months. For lines of $50,000 or greater, the APR converts to Prime Rate plus 0.00% for the life of the line (3.25% as of 7/31/14). For lines of $25,000 - $49,999 the APR converts to Prime Rate plus .50% for the life of the line (3.75% as of 7/31/14). For lines less than $25,000 the APR converts to Prime Rate plus 1.00% (4.25% as of 7/31/14) for life.

***Rates may vary with a maximum rate of 15.90% APR. Subject to credit approval. Property insurance is required as well as flood insurance,
if applicable. If you pay off the loan within the first 3 years, you must
reimburse third-party fees paid by us (generally $600 - $1900). Annual maintenance fee of up to $75 may be charged for inactive accounts.

Property Improvement Loan

Line/Loan Amount

APR

Terms

Sample Monthly Payment Amount

$2,000 - $10,000

9.99%

24 to 60 Months

$106.21 for a loan amount of $5,000 for a 60 month term

**Sign up for Auto-Pay from your FSB checking account and we'll reduce your fixed interest rate by .25%!  Ask your FSB branch representative for details.