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Christmas Club

Christmas Club

Save year-round for the holidays.

Tired of being surprised by all the expenses the holiday season inevitably brings? Experience the convenience of saving for those special times of year. Small amounts saved regularly add up to a sizable sum. Just choose the amount you would like to save each week and watch it grow in time for the holidays.

Summary
Interest Rate

Balance................Interest Rate*............APY*

Above $0.00.........0.50%........................0.50%


*All Interest Rates and Annual Percentage Yields (APY) are accurate as of 04/01/18. Rates may change after account is opened. Fees or withdrawals could reduce earnings.

Terms

If account is closed prior to the issuing of Christmas Club checks, a $15.00 account closing fee will apply. Christmas Club disbursements are issued in November. Interest is compounded and credited annually.

All accounts subject to credit approval. Other terms and conditions may apply. For more information, please contact an Executive Banker at your local branch.

80% Combined Loan to Value Program - Single Family Program

Combined Loan to Value: up to 80% Maximum Loan Amount $200,000

AmountInterest Rate (Prime 4.75%)APR* / Rate Floor 4.25%
$150,000 to $200,000Prime +.00 to Prime + 1.004.75% to 5.75%
$100,000 to $149,999Prime + .50 to Prime + 1.255.25% to 6.00%
$50,000 to $99,999Prime + .75 to Prime + 1.505.50% to 6.25%
Up to $49,999Prime + 1.00 to Prime + 1.755.75% to 6.50%
80% Combined Loan to Value Program - Condominium Program

Combined Loan to Value: up to 80% Maximum Loan Amount $150,000

AmountInterest Rate (Prime 4.75%)APR* / Rate Floor 4.25%
$100,000 to $150,000Prime + .75 to Prime + 1.505.50% to 6.25%
$50,000 to $99,999Prime + 1.00 to Prime + 1.755.75% to 6.50%
Up to $49,999Prime + 1.25 to Prime + 2.006.00% to 6.75%
85% Combined Loan to Value Program - Single Family Program

Combined Loan to Value: 80.01% - 85% Maximum Loan Amount $125,000
(80% when 1st Mortgage Exceeds $1,000,000)

AmountInterest Rate (Prime 4.75%)APR* / Rate Floor 4.95%
$75,000 to $125,000Prime + 1.00 to Prime + 1.755.75% to 6.50%
$25,000 to $74,999Prime + 1.25 to Prime + 2.006.00% to 6.75%
Up to $24,999Prime + 1.50 to Prime + 2.256.25% to 7.00%
85% Combined Loan to Value Program - Condominium Program

Combined Loan to Value: 80.01% - 85% Maximum Loan Amount $100,000
(80% when 1st Mortgage Exceeds $1,000,000)

AmountInterest Rate (Prime 4.75%)APR* / Rate Floor 4.95%
$50,000 to $100,000Prime + 1.25 to Prime + 2.006.00% to 6.75%
$25,000 to $49,999Prime + 1.50 to Prime + 2.256.25% to 7.00%
Up to $24,999Prime + 1.75 to Prime + 2.506.50% to 7.25%
90% Combined Loan to Value Program - Single Family Program

Combined Loan to Value: 85.01% to 90% Maximum Loan Amount $75,000
(80% when 1st Mortgage Exceeds $1,000,000)

AmountInterest Rate (Prime 4.75%)APR* / Rate Floor 4.95%
$50,000 to $75,000Prime + 1.25 to Prime + 2.006.00% to 6.75%
$25,000 to $49,999Prime + 1.50 to Prime + 2.256.25% to 7.00%
Up to $24,999Prime + 1.75 to Prime + 2.506.50% to 7.25%
90% Combined Loan to Value Program - Condominium Program

Combined Loan to Value: 85.01% to 90% Maximum Loan Amount $75,000
(80% when 1st Mortgage Exceeds $1,000,000)

AmountInterest Rate (Prime 4.75%)APR* / Rate Floor 4.95%
$50,000 to $75,000Prime + 1.50 to Prime + 2.256.25% to 7.00%
$25,000 to $49,999Prime + 1.75 to Prime + 2.506.50% to 7.25%
Up to $24,999Prime + 2.00 to Prime + 2.756.75% to 7.50%

Payment Examples:

*APR (Annual Percentage Rate) based on your loan-to-value (LTV), your approved line amount, and credit criteria, and will range from a variable APR of Prime to Prime+2.75, subject to change with Prime. As of today, the Prime Rate is 4.75%. The "floor" ranges from 4.25% to 4.95%, and the "ceiling" is 19.90%. No discount rate programs or promotions apply. Rates are variable and may increase after consummation. The floor rate is the minimum rate you may be charged on the line of credit. Your rate may never go below the floor rate, regardless of the Index + margin rate.

80% Combined Loan to Value Program

If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on a maximum loan to value 80%, owner-occupied properties, depending upon your commitment amount and credit qualifications.

85% Combined Loan to Value Program

If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on a maximum loan to value 85%, owner-occupied properties, depending upon your commitment amount and credit qualifications.

90% Combined Loan to Value Program

If you had an outstanding balance of $10,000, during the draw period the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $169.01, during the repayment period on a balance of $10,000 the minimum payment at the maximum Annual Percentage Rate of 19.90% would be $192.58. Annual Percentage Rate varies based on a maximum loan to value 90%, owner-occupied properties, depending upon your commitment amount and credit qualifications.

10-Year Fixed Rate Loan / 30-Year Amortization / Balloon Payment after 10 Years

80% Combined Loan to Value Program – Single Family Program

Combined Loan to Value: up to 80% Maximum Loan Amount $200,000

AmountInterest RateAPR*
Up to $200,0005.99% to 6.79%6.42% to 7.23%
80% Combined Loan to Value Program - Condominium Program

Combined Loan to Value: up to 80% Maximum Loan Amount $150,000

AmountInterest RateAPR*
Up to $150,0006.29% to 6.99%6.72% to 7.43%
85% Combined Loan to Value Program – Single Family Program

Combined Loan to Value: 80.01% - 85% Maximum Loan Amount $125,000

AmountInterest RateAPR*
Up to $125,0006.29% to 6.89%6.72% to 7.33%
85% Combined Loan to Value Program – Condominium Program

Combined Loan to Value: 80.01% - 85% Maximum Loan Amount $100,000

AmountInterest RateAPR*
Up to $100,0006.59% to 6.99%7.03% to 7.43%
90% Combined Loan to Value Program - Single Family Program

Combined Loan to Value: 85.01% to 90% Maximum Loan Amount $75,000
(80% when 1st Mortgage Exceeds $1,000,000)

AmountInterest RateAPR*
Up to $75,0006.49% to 7.19%6.93% to 7.64%
90% Combined Loan to Value Program - Condominium Program

Combined Loan to Value: 85.01% to 90% Maximum Loan Amount $75,000
(80% when 1st Mortgage Exceeds $1,000,000)

AmountInterest Rate APR*
Up to $75,0006.79% to 7.19%7.23% to 7.64%

80% Combined Loan to Value Program Payment Examples

*APR = Annual Percentage Rate. Credit and other restrictions may apply.

Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $59.90 at 6.42% APR (5.99% Interest Rate) for 119 months, with a final balloon payment of $8,426.95. Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $65.14 at 7.23% APR (6.79% Interest Rate) for 119 months, with a final balloon payment of $8,603.51.

Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $61.85 at 6.72% APR (6.29% Interest Rate) for 119 months, with a final balloon payment of $8,493.71.Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $66.48 at 7.43% APR (6.99% Interest Rate) for 119 months, with a final balloon payment of $8,645.33.

85% Combined Loan to Value Program Payment Examples

*APR = Annual Percentage Rate. Credit and other restrictions may apply.

Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $61.85 at 6.72% APR (6.29% Interest Rate) for 119 months, with a final balloon payment of $8,493.71. Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $65.81 at 7.33% APR (6.89% Interest Rate) for 119 months, with a final balloon payment of $8,624.26.

Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $63.81 at 7.03% APR (6.59% Interest Rate) for 119 months, with a final balloon payment of $8,561.13. Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $66.48 at 7.43% APR (6.99% Interest Rate) for 119 months, with a final balloon payment of $8,645.33.

90% Combined Loan to Value Program Payment Examples

*APR = Annual Percentage Rate. Credit and other restrictions may apply.

Payment example: Fixed Rate Loans Representative monthly payment example per $10,000 is $63.15 at 6.93% APR (6.49% Interest Rate) for 119 months, with a final balloon payment of $8,539.54. Payment example: Fixed Rate Loans Representative monthly payment example per $10,000 is $67.83 at 7.64% APR (7.19% Interest Rate) for 119 months, with a final balloon payment of $8,686.22.

Payment example: Fixed Rate Loans Representative monthly payment example per $10,000 is $65.14 at 7.23% APR (6.79% Interest Rate) for 119 months, with a final balloon payment of $8,603.51. Payment example: Fixed Rate Loan Representative monthly payment example per $10,000 is $67.83 at 7.64% APR (7.19% Interest Rate) for 119 months, with a final balloon payment of $8,686.22.