Mortgage Rates
Mortgage Loans
Effective Date: 03/2/2026
| Description | APR* |
|---|---|
| Home Equity Line of Credit (HELOC) | Call or See a Loan Officer |
| Balloon Mortgages - Up to 30 years | |
| 3 year balloon | 5.25%-17.95% |
| 5 year balloon | 5.50%-17.95% |
| 7 year balloon | 5.75%-17.95% |
| Fixed Rate Mortgages | |
| 10 year fixed | 5.25%-17.95% |
| 15 year fixed | 5.50%-17.95% |
| 20 year fixed | 5.75%-17.95% |
| CONSTRUCTION RATES - + .50% for 20% down and + 1.00% for 10% down | |
| *APR= Annual Percentage Rate. Interest rates are subject to change. | |
Second Mortgages
Effective Date: 01/26/2026
| Description | APR* |
|---|---|
| 5 Year Fixed Rate | 7.00%-17.95% |
| 7 Year Fixed Rate | 7.25%-17.95% |
| 10 Year Fixed Rate | 7.50%-17.95% |
| 15 Year Fixed Rate | 7.75%-17.95% |
| *APR = Annual Percentage Rate. Interest rates are subject to change. | |
Land Loans
Effective Date: 01/26/2026
| Description | APR* |
|---|---|
| 10 Year Fixed Rate | 7.50%-10.00% |
| 15 Year Fixed Rate | 7.75%-10.00% |
| *APR = Annual Percentage Rate. Interest rates are subject to change. | |
Checking Rates
Share Draft Account Dividend Rate
Effective Date: 3/10/2026
| Name | APY** |
|---|---|
| Share Draft | .10% |
| Peninsula Shores Share Draft* | 4.00% |
| *Terms and Conditions apply. | |
| **APY= Annual Percentage Yield | |
| Dividend rate may change after the account is opened. | |