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Home Equity Loan / Line Rates

Rates based on using Anchor automatic payment plan from an AnchorBank checking account. APR = Annual Percentage Rate.

Not sure which type of home equity product is right for you? Our comparison chart can help you decide.

Home Equity Line of Credit	Term	APR as low as* (%)	VPR (Variable Periodic Rate) as low as* (%)	Min. Loan ($)	Max. Loan ($)	Monthly Payment**
80 % LTV Homeowners Equity Line of Credit	60 months	1.99 % for the first 6 mo only 3.99% Floor Rate	(Prime + .25%)	$10,000	$200,000	$ 1.66
85 % LTV Homeowners Equity Line of Credit	60 months	3.99 %	(Prime + .50%)	$10,000	$100,000	$ 3.33
Details. The Annual Percentage Rate (APR) Variable Periodic Rate (VPR) will vary with Prime. {"Prime" means the prime rate as published in The Wall Street Journal}. The fully indexed variable rate for lines of credit is Prime + .25% to Prime + 2.00% (index plus margin). The margin is determined by the LTV ratio and your creditworthiness. The APR and VPR may increase or decrease and cannot exceed 18% or decrease below 3.99%. Annual fee after the first year is $50. Closing fees paid to third parties such as inspectors, credit reporting firms and title insurance companies generally total $125-$225, unless a property appraisal is required, for line amounts under $100,000 and $125-595 for larger line amounts. Property must be owner-occupied one or two-family residential properties. Property insurance is required. Flood insurance may be required. Normal underwriting guidelines apply. Floor of 3.99%. Rates shown based on Level 1 credit. *Monthly payment is based on payment per $1000 for rate shown above. 1.99% Premium Rate requires an AnchorBank checking account relationship and is available to new Home Equity Line of Credit customers only. APPLY NOW .

Refinance Express Fixed Rate	Interest Rate (%)	Max. LTV	APR as low as*(%)	Max. Term	Min. Loan ($)	Max. Loan ($)	Monthly Payment**
Refinance Express 1st Mortgage Loan	3.29%	80.00%	3.31%	12 Years	$10,000	$200,000	$ 8.41
Refinance Express 1st Mortgage Loan	3.49%	80.00%	3.51%	15 Years	$10,000	$200,000	$ 7.14
Details, Payment Calculation. APR is Annual Percentage Rate. All rates include a 0.25% reduction for electronic payments from an AnchorBank checking account. APR may increase after loan closing if electronic payments are discontinued. Maximum term of up to 15 years. Rates and terms subject to change. Rates vary by your credit score. Automatic payment direct from checking required. Customer pays all closing costs up to a maximum of $350 for Wisconsin properties. Appraisal and title insurance an additional customer cost if required. Property insurance is required. Flood insurance may be required. Refinances of existing Refinance Express Fixed Rate loans do not qualify unless $10,000 or more of new money is advanced. Normal underwriting guidelines apply. Property must be owner-occupied one or two family residential properties. Payments do not include amounts for taxes and insurance premiums. If applicable, the actual payment amount will be higher. Rates shown based on Level 1 credit. * Monthly payment is based on payment per $1000 for term and rate shown above. APPLY NOW

Fixed Rate	APR as low as*(%)	Min. Loan ($)	Monthly Payment**
80% LTV
3 Year Fixed Rate	3.79 %	$5,000	$ 29.43
5 Year Fixed Rate	3.99 %	$5,000	$ 18.41
10 Year Fixed Rate	4.99 %	$7,500	$ 10.60
15 Year Fixed Rate	5.74 %	$10,000	$ 8.30
85% LTV
3 Year Fixed Rate	4.79 %	$5,000	$ 29.87
5 Year Fixed Rate	4.99 %	$5,000	$ 18.86
10 Year Fixed Rate	5.99 %	$7,500	$ 11.10
15 Year Fixed Rate	6.74 %	$10,000	$ 8.84
Details, Payment Calculation APR is Annual Percentage Rate. All rates include a 0.25% reduction for electronic payments from an AnchorBank checking account. APR may increase after loan closing if electronic payments are discontinued. Rates and terms subject to change. Rates vary by the term of the loan, the Loan to Value Ratio (LTV) and your credit score. Automatic payment direct from checking required. Normal underwriting guidelines apply. Standard fees at borrower's expense. Property must be owner-occupied one or two family residential properties. Non-owner occupied loans are available at 1.5% higher interest rate with maximum of 70% LTV. Only offered for second mortgages. Rates shown based on Level 1 credit. *Monthly payment is based on payment per $1000 for term and rate shown above. APPLY NOW

Home Equity Balloon	APR as low as* (%)	Min. Loan ($)	Monthly Payment**
80% LTV Amortized up to 20 Yrs
3 Year Balloon Rate	3.79 %	$5,000	$ 5.95
5 Year Balloon Rate	3.99 %	$5,000	$ 6.05
85% LTV Amortized up to 20 Yrs
3 Year Balloon Rate	4.79 %	$5,000	$ 6.48
5 Year Balloon Rate	4.99 %	$5,000	$ 6.59
Details, Payment Calculation APR is Annual Percentage Rate. All rates include a 0.25% reduction for electronic payments from an AnchorBank checking account. APR may increase after loan closing if electronic payments are discontinued. Rates and terms subject to change. Rates vary by the term of the loan, the Loan to Value Ratio (LTV) and your credit score. Automatic payment direct from checking required. Normal underwriting guidelines apply. Standard fees at borrower's expense. Property must be owner-occupied one or two family residential properties. Non-owner occupied loans are available at 1.5% higher interest rate with maximum of 70% LTV. Only offered for second mortgages. Rates shown based on Level 1 credit. *Monthly payment is based on payment per $1000 for term and rate shown above. APPLY NOW

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AnchorBank, fsb, 25 West Main Street, Madison, WI
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Tuesday, May 21, 2013

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