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We'll Beat Their Auto Rate -- Guaranteed*

And, if we can't beat competitors' rates, we'll pay you $100*. Low rates and fast approvals mean hassle-free shopping for people on the move. Apply online or by phone 24/7 or visit any branch location.

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Mortgage Rates

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FIXED RATE MORTGAGES

PROGRAM	TERM	RATE%	ORIGINATION POINTS %	APR
FIXED RATE	30 YRS	4.625	1.250	4.818
		4.750	0.500	4.877
		4.875	0.000	5.037
FIXED RATE	20 YRS	NA	NA	NA
		4.250	0.625	4.435
		4.375	0.000	4.487
FIXED RATE	15 YRS	NA	NA	NA
		NA	NA	Na
		4.000	0.000	4.514
FIXED RATE	10 YRS	3.750	0.000	3.952

ADJUSTABLE RATE MORTGAGES

PROGRAM	RATE%	ORIGINATION POINTS %	APR
5/1 YEAR ARM	3.000	1.250	3.175
5/1 YEAR ARM	3.375	0.000	3.208
7/1 YEAR ARM	3.750	1.125	3.522
7/1 YEAR ARM	4.125	0.000	3.609

VA MORTGAGE RATE

PROGRAM	TERM	RATE%	ORIGINATION POINTS %	APR
FIXED RATE	30 YRS	4.875	0.000	4.912
FIXED RATE	15 YRS	4.000	0.000	4.062

HOME LOAN PAYMENT RELIEF (HLPR) MORTGAGE PROGRAMS

PROGRAM	RATE%	ORIGINATION POINTS %	APR
5/1 YEAR ARM (HLPR)	3.375	0.000	3.204

*HLPR loan APR's are based on 0% down payment and no mortgage insurance requirement. HLPR programs offer 100% financing, no MI insurance, credit union contribution towards closing costs including buyer's portion of state tax stamps, up to 6 months real estate tax escrows, lender title insurance, attorney and appraisal fees and more. Gifts and grants allowed for borrower paid costs. Call 800-619-6575 for additional rate programs and VA mortgage rates.

90% LTV cash-out refinance for single family owner-occupied homes. Second home rates add .25% to the first mortgage base rate above. Call for new construction and investment property rates.

APR equals the annual percentage rate. First Mortgage APR is based on $100,000, 30 days pre-paid interest with 80% financing and 20% down payment. Example: 30 year fixed rate program with 2 points; the rate would be 5.875%. Based on a purchase price of $125,000 with 20% down payment, the amount financed would be $100,000 with 360 monthly payments of approximately $591.53 (principal and interest), a finance charge of $112,951.00, bringing the total payment to $212,951.00.

MORTGAGE RATES ARE SUBJECT TO CHANGE DAILY AT 11:00 AM EST. If you are watching the rates closely, you may want to receive our Daily Mortgage Rate Watcher e-mail alert. It is a convenient way for you to keep an eye on mortgage rates.