Fixed Rate First Mortgage
Fixed Rate 5 Year Mortgage
Adjustable Rate Mortgage (ARM)
Rental Property
Jumbo Loan Rates
Construction Loans
Raw Land Loans
Fixed Rate First Mortgage
 
DDR**
Member Pays Closing Cost
DDR**
No Closing Cost
30 Year
5.500% APR*
5.625%
5.900% APR*
6.025%
20 Year
5.500% APR*
5.625%
5.900% APR*
6.025%
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15 Year
4.875% APR*
5.000%
5.275% APR*
5.400%
Rates current as of July 1, 2009. Call x6400 for current rates.
**Direct Deposit Reward - Member can receive a lower rate with net pay direct deposit.
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Fixed Rate 5 Year Mortgage
DDR**
Member Pays Closing Cost
60 Month Fixed Rate
4.650% APR*
4.775% APR*
Short Application, No Appraisal, No Inspection, Minimal Closing Costs, Quick Closing
Requirements are as follows: 40% equity required (60% of appraised value or the purchase price which ever is less). Must be within a 50 mile radius of any branch and within the state of Kentucky. Must be a primary residence; a 1-4 family dwelling, and 25 acres or less. Rates current as of July 1, 2009. Call x6400 for current rates.
For qualified buyers. Rates are subject to change.
*APR- Annual Percentage Rate. **Direct Deposit Reward - Member can receive a lower rate with net pay direct deposit.
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Adjustable Rate Mortgage (ARM)
3 Year ARM Member Pays Closing Cost No Closing Cost
3.75% APR* 4.25% APR*
5 Year ARM 4.625% APR* 5.125% APR*
*APR- Annual Percentage Rate. Rates current as of July 1, 2009. Call x6400 for current rates.
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Rental Property  
5 Year Balloon with a 20 Year Amortization
Interest Rates as low as 1 to 2% Over Current 20 Year Mortgage Rate
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Jumbo Loan Rates
(Loans greater than $417,000)
 
DDR**
Member Pays Closing Cost
DDR**
No Closing Cost
30 Year
6.000% APR*
6.125%
6.400% APR*
6.525%
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20 Year
6.000% APR*
6.125%
6.400% APR*
6.525%
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15 Year
5.375% APR*
5.500%
5.775% APR*
5.900%
Rates current as of July 1, 2009. Call x6400 for current rates.
*APR- Annual Percentage Rate. Rates current as of July 1, 2009. Call x6400 for current rates.
**Direct Deposit Reward - Member can receive a lower rate with net pay direct deposit.
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Construction Loan Guidelines

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Raw Land Loan

•30% Equity (finance up to 70% of appraised value)
•Finance up to 25 acres
•Member Pays all related closing costs
•Mortgages within a 50-mile radius of any branch within the state of KY
•Terms up to 15 years
•Interest rate will be 7.95%
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Apply for a Mortgage

Home Equity Line of Credit

Need help with a current loan?
We now offer mortgage loans for rental property!
• as low as 6.375% APR
finance up to two investment/rental properties

† 1.00% over the 20 year rate for Loan To Value 65% or less plus direct deposit reward of 0.125%


 
 
   
 



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