HELOC Rates

_{Rates are subject to change without notice.  Rates are based on a 1-2 family, owner-occupied, primary residence.  Please call us regarding secondary residences or investment properties.  Rates shown above assume up to a maximum CLTV of 80%.  For CLTV between 81-90%, add on an additional .50%.  The payments do not include amounts for taxes and insurance premiums, including flood insurance, if applicable, and the actual payment obligation will be greater.  There are no closing costs.  No closing costs includes items such as appraisal, credit report fees, recording fees and mortgage tax.  No closing costs does not include the initial abstract continuation fee and interest due at closing.  If you pay off your loan within the first two years of the loan, you must reimburse us for the closing costs paid on your behalf. Subject to satisfactory appraisal and loan approval.  At maturity, you must pay the amount of any remaining loan balance outstanding.}

_{¹ Minimum loan amount is $20,000.00; maximum loan amount is $350,000.00.}

_{² This product has a term of 20 years: a five-year open end draw period with interest only payments followed by a 15 year repayment period of principal and interest.  During the 15-year repayment period, the principal portion of your payment will be equal to 1/180th of the outstanding balance or $100.00, whichever is greater. Minimum loan amount is $20,000.00; maximum loan amount is $250,000.00. The adjustable rate above is based on the Prime Rate as published in the Wall Street Journal.}

_{³This special cannot be used to pay off an existing home equity line of credit with Geddes Federal.  Maximum CLTV is 90%.  This special is for well qualified borrowers only, with a minimum credit score of 700 and no policy exceptions.  The adjustable rate above is based on the Prime Rate as published in the Wall Street Journal.}