| EFFECTIVE
March 1, 2010 |
ALL RATES SUBJECT TO CHANGE AT ANY TIME |
With a choice of fixed
and adjustable rate mortgages - Maple City has the mortgage that
is right for you... The following are
our residential mortgage rates for purchases and
refinances along with our Home Equity, Property Improvement and Consumer
Loan rates.
| 25 YEAR FIXED RATE MORTGAGE |
| RATE |
POINTS |
APR |
| 6.50% |
0 |
6.500% |
|
6.30% |
1 |
6.408% |
|
6.15% |
2 |
6.366% |
| 20 YEAR FIXED RATE MORTGAGES |
| RATE |
POINTS |
APR |
|
6.25% |
0 |
6.250% |
|
5.95% |
1 |
6.075% |
|
5.70% |
2 |
5.949% |
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HERE TO ACCESS OUR LENDING CALCULATOR
| 15 YEAR FIXED RATE MORTGAGES |
| RATE |
POINTS |
APR |
| 6.00% |
0 |
6.000% |
|
5.60% |
1 |
5.755% |
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HERE TO ACCESS OUR LENDING CALCULATOR
| 25 Year 1 YEAR ADJUSTABLE RATE MORTGAGES |
| RATE |
POINTS |
APR |
| 4.50% |
0 |
4.500% |
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HERE TO ACCESS OUR LENDING CALCULATOR
| 25 Year 3 YEAR ADJUSTABLE RATE MORTGAGES |
| RATE |
POINTS |
APR |
|
5.00% |
0 |
5.000% |
| FOR THE ABOVE APR'S THE MAXIMUM
LOAN-TO-VALUE RATIO IS 80%. VALUE IS DETERMINED BY THE
APPRAISAL OR PURCHASE PRICE, WHICHEVER IS LOWER. IF
YOU NEED TO BORROW MORE THAN 80% OF THE VALUE OF THE
PROPERTY, THE USE OF PRIVATE MORTGAGE INSURANCE (PMI)
ALLOWS US TO LEND UP TO 95%! THE APR'S ON LOANS WITH
PRIVATE MORTGAGE INSURANCE ARE A BIT HIGHER. PLEASE
ASK FOR PMI INFORMATION. |
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HERE TO ACCESS OUR LENDING CALCULATOR
| HOME EQUITY FIXED RATES LOANS |
| TERM (up to) |
RATE |
APR |
| 5 Years |
5.50% |
5.501% |
| 10 Years |
6.00% |
6.001% |
| 15 Years |
6.50% |
6.501% |
|
HOME EQUITY
LINES OF CREDIT |
15 YEARS
5.00% INITIAL ADJUSTABLE RATE HOME EQUITY LINE OF
CREDIT |
|
(5 draw + 10 repay = 15 total)
Initial rate is fixed for the first 12 months. These are Open
End Credit Lines and have a draw period of 5 years and a maximum
repayment period of 10 years, therefore the loan will be fully
repaid in no more than 180 months. After the initial rate
period expires, the account will have an Adjustable Rate, which can
change any time the Wall Street Journal Prime Rate changes.
There is a Lifetime Cap of 18% and a Rate Floor of 4.75%. Your
rate will be the same as the highest Prime Rate as published in the
Wall Street Journal. MAXIMUM LOAN-TO-VALUE IS 90%. These
loans must be secured with your primary residence. You may
access the credit line by writing a check or using your HELOC
ATM/Debit Card. Minimum initial draw is $2,500.00, there is no
minimum amount for subsequent draws. |
CLICK
HERE TO ACCESS OUR LENDING CALCULATOR
PROPERTY IMPROVEMENT LOANS
(Secured
With A Lien On Real Estate)$10,000.00 Maximum) |
| TERM (up to) |
RATE |
APR |
|
3 Years |
7.00% |
7.006%* |
| 5 Years |
7.50% |
7.504%* |
|
5 Years |
8.25% |
8.254%** |
|
* If Maple City Savings
Bank is in the first lien position
** If Maple City Savings Bank is NOT in the first lien position |
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HERE TO ACCESS OUR LENDING CALCULATOR
CONSUMER LOANS - SECURED
Great for Cars,
Pools, Appliances, Education or Vacations! |
| TERM |
RATE |
APR |
|
1 Year |
7.50% |
7.501% |
|
2 Years |
7.75% |
7.751% |
| 3 Years |
8.25% |
8.251% |
|
4 Years |
8.50% |
8.500% |
| 5 Years |
8.50% |
8.500% |
|
Our Loan Originators @ (607) 324-1822