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Rates Current As Of: 1/6/2009
 
 Mortgage Loan Rates

1-4 Family Owner Occupied
Interest Rate
Annual Percentage Rate
Points
  30 Year Fixed5.625%  5.648%  0
  20 Year Fixed5.500%  5.531%  0
  15 Year Fixed5.375%  5.413%  0
  10 Year Fixed5.250%  5.305%  0
  7 Years Balloon/25 Year Amortization5.750%  5.776%  0
  5 Years Balloon/25 Year Amortization5.500%  5.526%  0

Home Equity Loans (Closed End Mortgage)
Interest Rate
Annual Percentage Rate
Points
  15 Year Fixed7.500%  7.541%  0
  10 Year Fixed7.250%  7.307%  0
  5 Year Fixed6.750%  6.855%  0

Home Equity Line of Credit
Interest Rate
Annual Percentage Rate
Points
  Fixed Real Line of Credit (LTV 80% or less)6.750%  6.750%  0
  Fixed Real Line of Credit (LTV 81% to 90%)7.500%  7.500%  0
  Variable Real Line of Credit (LTV 80% or less)6.000%  6.000%  0
  Variable Real Line of Credit (LTV 81% to 90%)6.750%  6.750%  0

1-4 Unit Non-Owner Occupied
(1-2 Units 80% LTV, 3-4 Units 75% LTV)
Interest Rate
Annual Percentage Rate
Points
  25 Year Fixed6.875%  6.903%  0
  20 Year Fixed6.625%  6.657%  0
  15 Year Fixed6.250%  6.289%  0
  5/25 Balloon6.250%  6.277%  0

Lot Loans
Interest Rate
Annual Percentage Rate
Points
  10 Year Fixed (LTV 75%)6.750%  6.806%  0
  5 Year Fixed (LTV 75%)6.500%  6.605%  0
  5 Years Balloon/20 Year Amortization (LTV 75%)6.500%  6.527%  0


***Rates available only with an automatic payment out of your Peoples First Savings Bank checking account. Listed rates assumes 20% down. The interest rates and APR's shown are subject to change without notice. APR's are based on a mortgage amount of $100,000 and a loan origination fee of .25%. Your APR will vary based on your final loan amount and finance charges.
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