A Longer Term Option

For over 126 years we've been providing the mortgage products individuals and families have relied on to establish their homes. As a mutual bank, we are uniquely positioned to continuously evaluate our products and services and make enhancements that benefit the diverse financial needs of our customers.

In our efforts to provide the most innovative solutions to help make home ownership a reality, we have recently added a new option to our growing suite of programs. This longer term program is helpful to borrowers who are seeking a more affordable monthly payment.

Because we know that buying a home is one of the biggest milestones an individual or family can achieve, each and every product we offer is backed by a lending officer that is committed to making the process simple and personal. 

In addition, many of our programs provide enhanced assistance for potential homeowners with unique circumstances, such as less than ideal credit profiles, and include features such as reduced closing costs, discounted interest rates, and no mortgage insurance requirement.

5/5 Adjustable Rate Mortgage     3.99% Rate     5.125% APR


The Annual Percentage Rate stated above is as of October 3, 2018 and is based on a 15% down payment on owner occupied residences only. A loan with a smaller down payment may require Private Mortgage Insurance (PMI) which will result in a higher APR. The maximum rate adjustment is 5% above the initial interest rate. Initial 60 month principal and interest payment of $4.17 per $1,000 borrowed does not include taxes or insurance. Subject to credit approval and subject to change without notice.

For more information, please contact a member of our Residential Lending Team or click here to apply online.

Photograph portrait of Ed Coppinger

Ed Coppinger
NMLS# 12324
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Tim Day
NMLS# 779397

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Wilfred Edwards
NMLS# 704452
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Chris Gleason
NMLS# 476725

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Michael Isaac
NMLS# 42047

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