Fixed Rate Home Equity Loan—Rates and terms subject to change. 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 with maximum of 85% LTV.

Home Equity Balloon Loan—Rates and terms subject to change. 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 with maximum of 85% LTV.

Express Refinance First Mortgage Loan - Rates and terms subject to change. Automatic payment direct from checking required. Customer pays all closing costs up to a maximum of $99 for Wisconsin properties. Appraisal and title insurance an additional customer cost if required for loans over $100,000. Property insurance is required. Flood insurance may be required. Refinances of existing AnchorBank loans do not qualify unless $10,000 or more of new money is advanced.

Homeowners L.O.C.—*The Annual Percentage Rate (APR) 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 - .50% to Prime + .50% (index plus margin). The margin is determined by the LTV ratio and your creditworthiness. The rate may increase or decrease and cannot exceed 18% or decrease below 5%. Annual fee after the first year is $50. Closing fees paid to third parties such as appraisers, credit reporting firms and title insurance companies generally total $55-$125 for line amounts up to $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.