Cinfed Mortgage Loan Rates

Home Equity Loan Rates

Cinfed's Equity Access Line of Credit continues to get rave reviews from members who have taken advantage of the equity accumulated in their home to satisfy a variety of financing needs. And in most cases the interest was 100% tax deductible. (Consult your tax advisor.) Cinfed bases quarterly adjustments of Equity Access Account rates on the Prime Rate. You won't find a home equity loan with lower rates or more valuable features!

• Borrow up to 90% of the equity in your home!
• Same low rate no matter how small or large your balance!
• Easy access to funds with free Equity Access checks or Equity Access Card!
• Rate as low as 4%.

> Equity Access Application (print and mail)
> Equity Access Card Application

Cinfed Equity Access Line of Credit Interest Rates

Rates accurate as of Sunday, Aug 1, 2010

EQUITY ACCESS LINE OF CREDIT
Equity Access Line of Credit	As low as 4.00% APR*
NOTE: Rate adjusts quarterly.
No points or fees; 10 year draw period; Up to 10 year repayment period; $5,000 minimum loan amount.

FIXED RATE SECOND MORTGAGE
5 Year Equity Loan	As low as 5.50% APR*
7 Year Equity Loan	As low as 5.75% APR*
10 Year Equity Loan	As low as 5.99% APR*
NOTE: Balloon option available on 15 Year Amortization
$250 Closing Costs

* APR (Annual Percentage Rate) based upon 80% maximum LTV (Loan-to-Value); Rates higher for financing up to 90% LTV
LTV = Total amount owed on home divided by the appraised value of home.
Example:
Appraised value of home =	$100,000
Total amount borrowed (includes 1st & 2nd Mortgage) =	$80,000
Total amount borrowed (includes 1st & 2nd Mortgage) =	80% LTV

EQUITY ACCESS LINE OF CREDIT

Equity Access Line of Credit

As low as 4.00% APR*

NOTE: Rate adjusts quarterly.

No points or fees; 10 year draw period; Up to 10 year repayment period; $5,000 minimum loan amount.

FIXED RATE SECOND MORTGAGE

5 Year Equity Loan

As low as 5.50% APR*

7 Year Equity Loan

As low as 5.75% APR*

10 Year Equity Loan

As low as 5.99% APR*

NOTE: Balloon option available on 15 Year Amortization

$250 Closing Costs

* APR (Annual Percentage Rate) based upon 80% maximum LTV (Loan-to-Value); Rates higher for financing up to 90% LTV

LTV = Total amount owed on home divided by the appraised value of home.

Example:

Appraised value of home =

$100,000

Total amount borrowed (includes 1st & 2nd Mortgage) =

$80,000

Total amount borrowed (includes 1st & 2nd Mortgage) =

80% LTV