*Annual Percentage Rate (APR) as low as 7.55% for a fixed rate mortgage with a loan to value of 80% or less. Other rates and terms available. Application required and normal credit criteria apply. Property insurance required. A $99 origination fee is charged. Offer applies to owner occupied properties of 1 or 2 units only and is subject to change without notice. A $20,000 home equity loan at 7.55% APR for 180 months equates to a monthly payment of $184.72.

** APR for lines of credit of 80% loan to value or less. Application required and normal credit criteria apply. Other rates are available. Rates are tied to Wall Street Journal Prime lending rate and are subject to change monthly. Prime rate as of 10/31/2008 is 5.00% and will not exceed a maximum APR of 19%. Property insurance is required. A $99 origination fee is charged. Offer applies to owner occupied properties of 1 or 2 units only and issubject to change without notice. A $20,000 home equity line of credit with a 5.00% APR for 120 months with an interest only payment of $83.33.